South Carolina Bankruptcy Lawyers

Many people are not aware that bankruptcy is a powerful financial tool that can help hardworking people solve their financial problems and get a fresh start on life. Filing for bankruptcy can put a stop to harassing calls from creditors, can protect your home, and make sure that you keep the possessions that matter to you the most.

Perhaps your mortgage broker talked you into financing a home with difficult or impossible-to-pay loan terms. Maybe a salesperson talked you into buying a more expensive car than you could afford. Or, your financial situation may have changed due to job loss, illness, or other factors beyond your control. Regardless of the reason, it is important to realize that you are not alone, and that help is available.

When you call the Rock Hill bankruptcy lawyers of Schiller & Hamilton, you are taking the first step to financial freedom. For many people in South Carolina, this is the best decision they’ve made, and the clearest path to a future free of financial stress. By filing for bankruptcy, you are simply reorganizing or eliminating debt.

Why You Need a South Carolina Bankruptcy Attorney

If you feel that your financial situation is beyond your control, it is likely time to contact our lawyers for help. You may be wondering, “Why do I need to hire an attorney to file for bankruptcy?” It is a smart decision to hire an attorney who has extensive experience with bankruptcy cases for the following reasons:

  • Bankruptcy lawyers understand the specific laws and can use them to seek the best possible outcome for your situation.
  • There are different types of bankruptcy. Which type you choose will determine how your debt is reorganized and what debt can be discharged. An attorney can help evaluate your situation and make sure you select the right path for you and your family.
  • Your attorney will look out for your best interests the entire time and will help make sure that the process of filing goes smoothly. They will fill out all of the necessary paperwork on your behalf and will help make the process as simple as possible for you.

As with most legal procedures, it is advisable to have a knowledgeable lawyer on your side to help make sure that your best interests are represented at all times. You are looking to relieve the pressures and strain on your life, so let an attorney handle your bankruptcy filing for you. 


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Mr. Schiller was a true professional in every sense of the word. I was kept abreast with all aspects of the case, and I truly felt cared for. Without a doubt, I have no regrets using such a quality and professional law firm. Top notch experience!”

Don’t struggle any longer, and don’t carry the burden of insurmountable debt without calling us for help. Our compassionate attorneys are here to talk to you about your specific financial situation and answer any questions you may have. Call us or contact us online now to get the peace of mind you deserve.

Bankruptcy Laws & Types of Bankruptcy

While most people have a general idea of what bankruptcy is, many do not know that there are actually several different types of bankruptcy.

Bankruptcy can be filed in many different ways under different chapters. The chapters are designed to help individuals or businesses in certain circumstances. For instance, Chapter 12 refers to family farmers and family fishermen, and it involves a specific process for the individuals who qualify for that chapter.

Chapter 12 is designed to allow families to keep their farms or fisheries and still satisfy much of their debt. That is the general assumption for many other chapters as well. The hope is that the individuals and families involved will be able to keep their most important possessions and still satisfy much of their debt.

By far, the most common forms of bankruptcy for individuals in Rock Hill are Chapter 7 and Chapter 13.

Chapter 7 allows you to liquidate your assets to help pay off your debts. Certain assets can be exempted from this process, such as your house, car, clothes, pensions, life insurance, and crucial items you need to live and work. Once the remaining assets are liquidated, the debtors are paid off as completely as possible, and other debts are forgiven.

Chapter 13 involves a different process. It is for those with a steadier income who simply might need more time and better terms to pay down their debt. This process involves minimizing debts and creating a payment plan that extends over the next three to five years, at which point, all remaining debts are forgiven.

If you are a business owner who is considering bankruptcy, there is a tool that was specifically created to help you reduce and eliminate your debts, while keeping your business afloat. That tool is Chapter 11.

Chapter 11 is sometimes referred to as “reorganization” by the U.S. Court System. It allows businesses, such as corporations and limited liability companies, to rearrange debt so that they can pay their obligations without having to close their doors. Like the other chapters described here, the hope is that by filing Chapter 11, the business is able to recover in a short period and thrive once more. Other forms of bankruptcy can require a business to shut down, so this is a very useful tool for those businesses that qualify.

How Schiller & Hamilton Can Help with Bankruptcy

The above represents only a selection of the bankruptcy options available to different individuals and organizations. One reason individuals and businesses are advised to seek counsel from a bankruptcy lawyer is because it can be difficult for people who have never considered bankruptcy before to know which chapter they qualify for or which will best serve their goals.

The Rock Hill bankruptcy attorneys at Schiller & Hamilton know that there are few things worse than a stressful financial situation. Dealing with debt can affect every part of your life from your job to your relationships with your family and your ability to enjoy life. We are here to tell you that there is hope, and we can help.

Get Help Today

The only thing that you need to do is call us. We’ll listen to you and will discuss all of the options available to you. Together, we can build a roadmap to financial freedom, and we’ll guide you every step of the way. Our compassionate and experienced Rock Hill bankruptcy lawyers have helped people just like you get out from under crushing debt, and we’re ready to do the same for you.

If you are considering pursuing a bankruptcy either as an individual (or family) or as a business, contact Schiller & Hamilton today by phone or online to discuss your best options.

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