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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 4pm

Reed Law Firm, P.A.

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Reed Law Firm, P.A.

At the Reed Law Firm we focus on Chapter 7 and Chapter 13 bankruptcy filings on behalf of South Carol You may think that bankruptcy is no longer an option.

Entering our third decade of filing Chapter 7 and Chapter 13 bankruptcies, we continue to help clients get a fresh start, free from crushing medical bills and credit card debt. Misconceptions still exist based on new laws passed several years ago. Not true. Our job is to give you hope and prepare you for a future free of money problems.

10/30/2026

What Happens if Your Income Increases During Chapter 13?

If your income increases during Chapter 13, your monthly payment may change, and a modified plan could require you to pay more toward your debts before the case is completed. An income increase will not automatically change your confirmed plan, but an unanticipated or substantial increase could lead to a request for modification.

Learn more: https://www.reedlawsc.com/blog/income-increase-during-chapter-13/

10/24/2026

What Happens to Tax Refunds During Bankruptcy?

You may be able to keep some or all of your tax refund after filing for bankruptcy. However, the outcome depends on when the refund was earned, when you filed, which bankruptcy chapter you used, and whether an exemption protects it. South Carolina’s exemption rules can also affect how much of your refund can be protected.

Learn more: https://www.reedlawsc.com/blog/tax-refunds-during-bankruptcy/

09/30/2026

Can Creditors Freeze Your Bank Account in South Carolina?
Yes, creditors in South Carolina can freeze the bank accounts of those who are behind on their payments, but in most cases, they need a court judgment to do so first. One key exception applies when the debt is owed to the same bank where your account is held. Under its right of setoff, that bank may freeze or withdraw funds directly from your account to cover the unpaid debt without first obtaining a court judgment.

Learn more: https://www.reedlawsc.com/blog/can-creditors-freeze-your-bank-account/

09/28/2026

How Wage Garnishment Works in South Carolina
Wage garnishment is a collection method some creditors use to compel consumers to catch up on their payments. Court orders are required to implement wage garnishment, and they instruct employers to withhold a specific portion of the named employee’s paycheck.

Learn more: https://www.reedlawsc.com/blog/how-wage-garnishment-works-in-sc/

09/28/2026

09/01/2026

Debt Settlement vs. Bankruptcy: Which Is Better?
Throughout South Carolina and in Columbia specifically, many residents struggle with crushing debt from their mortgages, car loans, credit cards, and personal loans. Without any financial wiggle room, those who experience the pressure of excess debt are often at a loss about what they can do to get out from under it.

Learn more: https://www.reedlawsc.com/blog/debt-settlement-vs-bankruptcy/

08/23/2026

What Happens When a Debt Buyer Sues You?
In some cases, a debt buyer can sue a consumer for the debt they purchased from the original creditor. There are, however, important state and federal protections that apply. Suppose you are being sued by a debt buyer; taking a wait-and-see approach can backfire spectacularly. A far better plan is consulting with our experienced Florence debt collection defense attorneys at Reed Law Firm, P.A., today.

Learn more: https://www.reedlawsc.com/blog/what-happens-when-a-debt-buyer-sues-you/

08/01/2026

How to Respond to a Debt Collection Lawsuit
If you were served with a summons and complaint regarding a debt collection lawsuit, you likely found it unnerving at best. Many people in your shoes find that they have no idea how to proceed, which can generate a considerable amount of anxiety.

Learn more: https://www.reedlawsc.com/blog/how-to-respond-to-a-debt-collection-lawsuit/

07/25/2026

Understanding Your Rights under the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets strict regulations for third-party debt collectors and establishes significant rights for consumers. The State of South Carolina also has state-level protections in place, which are outlined by the South Carolina Consumer Protection Code and expand on the rights afforded.

Learn more: https://www.reedlawsc.com/blog/understanding-your-rights-under-the-fair-debt-collection-practices-act/

06/29/2026

Can I keep my home and car if I file for bankruptcy?
While you may be able to keep your home and your car if you file for bankruptcy, there are some important requirements to keep in mind. Further, Chapter 7 and Chapter 13 bankruptcies are structured in different ways, and one or the other may work better for you when it comes to protecting your home and car. If you have questions or concerns about bankruptcy, an experienced Columbia, SC, bankruptcy attorney is standing by to help.

Learn more: https://www.reedlawsc.com/blog/can-i-keep-my-home-and-car-if-i-file-for-bankruptcy/

Address

220 Stoneridge Drive, Ste 301
Columbia, SC
29210

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 4pm

Website

https://www.reedlawsc.com/

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