The Huggins Law Firm, PA
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Columbia 803-764-1558 Charleston 843-509-0039

January 2015 Archives

Legal help to stop repossession

When debts become overwhelming for some South Carolina residents, the fear that property will be physically repossessed becomes very real. If you are facing threats that a repo man will show up at your house and take your possessions, the Huggins Law Firm may be able to help.

Even those with health insurance can suffer from medical debt

Though many South Carolina residents are aware that medical debt is a problem for many people, some may not know how much it affects even those who are insured. Sources suggest that as many as 70 percent of people with health insurance nevertheless struggle with medical debt, and the Consumer Financial Protection Board says that such bills are now accounting for half the collection reports on credit scores.

Mortgages and chapter 13 bankruptcy

When a South Carolina resident files for bankruptcy, an automatic stay goes into effect that prevents creditors, including mortgage holders, from continuing any collection activity as long as the stay is in effect. When the debtor chooses to file chapter 13 bankruptcy, he or she will work out a debt repayment plan that will last between three and five years.

Chapter 13 bankruptcy in South Carolina

When people are considering filing bankruptcy as an option to take care of unmanageable debt, they normally consider filing either under Chapter 7, which is a complete liquidation, or under Chapter 13, which is a voluntary reorganization of debt. Those who choose Chapter 13 will in most cases be able to retain their assets while stretching out payments for a set period of time. Unsecured debts remaining at the end of the repayment plan period will be discharged.

How the difficulties of the uninsured may quickly compound

Both insured and uninsured patients in South Carolina may be taken aback by a joint media report whose recent publication raised to the surface of public consciousness a practice regularly used yet underemphasized by many of the country's nonprofit hospitals. Despite the fact that these institutions receive their definitive tax exemptions as an incentive to take on uninsured patients who lack the means to obtain treatment at standard hospitals, several nonprofit hospitals often endorse civil action, in the form of debt collection lawsuits, when these uninsured patients default on hospital bills related to treatment.

The Huggins Law Firm, PA

Columbia Office
1812 Lincoln Street
Suite 201
Columbia, SC 29201

Phone: 803-764-1558
Fax: 803-764-1563
Columbia Bankruptcy Office

Columbia Office

Charleston Office
925-D Wappoo Road
Charleston, SC 29407

Phone: 843-509-0039
Fax: 866-481-2325
Map & Directions

Charleston Office