Debt Collection, Garnishment, Repossession

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Being Judgment Proof on Consumer Debt: Do You Need to File Bankruptcy?

In South Carolina, certain kinds of property are "exempt" and cannot be taken from you to satisfy a judgment. If there is nothing a creditor can legally take from you, you are "judgment proof." Read this brochure to find out more.

Debt Collection: Claim and Delivery

Have you been served with a complaint for personal property claim and delivery? Find helpful information on this webpage.

Debt Collection: Summons and Complaint

Have you been served with a summons and complaint from a creditor trying to collect on a debt? Find helpful information on this webpage.

Frequently Asked Questions About Debt Collection

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. This website provides answers to frequently asked questions about debt collection.

Online Classrooms

Need to represent yourself in court but don’t know how? Our Online Classrooms will guide you through the process in any of these topics: Debt Collection Defense, Guardianship, Unemployment Benefits Appeals, Getting Your Landlord to Make Repairs, and Filing for an Order of Protection.

Rules of the Road on What Debts to Pay First

A list of rules you should follow when trying to eliminate debt.

The Doctrine of Necessaries PowerPoint Presentation

There are many things to think about when entering into a marriage or civil union. One that is often overlooked or that people just don’t know about is the Doctrine of Necessaries (sometimes referred to as Necessities). In South Carolina, this doctrine allows third-party creditors, usually hospitals, to seek payment for a hospital bill from not only the patient but also the patient’s spouse. Under this theory, the spouse is liable for the “necessaries” of the other spouse. In this episode of Level Up Law, we define the doctrine and hit the high points of how it might apply in certain situations.

Wage Garnishment in South Carolina

In South Carolina, a wage garnishment occurs when your employer (the garnishee) withholds a portion of your paycheck in compliance with a statute or court order requiring payment to a third party. Reach this brochure to learn more.

What to Do When You Are Sued for Credit Card Debt

SCLS attorney Susan Ingles talks to clients about what to expect and do when you are being sued for credit card debt.

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