Aynor Credit & Debt Lawyer, South Carolina

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Jason T. Moss
About | Practice Areas
Moss & Associates Attorneys, P.A.
816 Elmwood Ave Columbia, SC 29201» view map
Bankruptcy & Debt
Debt Problems? We Have Solutions!

We provide our clients with a unique combination of top-quality representation, small-firm economics, and commitment.

800-821-6041
1. Jason T. Moss Columbia, SC
  Attorney at Law - SC, 1998
  University of South Carolina J.D. 1998
2. AboutMoss & Associates Attorneys, P.A.
  Debt Problems? We Have Solutions!
3. Practice AreasExpertise
  Bankruptcy & Debt
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James Thomas Young

Collection, Personal Injury, Workers' Compensation, Social Security

Status: In Good Standing

CONTACT

4709 National Drive, Myrtle Beach, SC 29579

C. Winfield Johnson

Bankruptcy, Family Medical Leave Act (FMLA), Permits, Estate Planning

Status: In Good Standing

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1000 29Th Avenue North, Myrtle Beach, SC 29577

Harry Pavilack

General Practice

Status: In Good Standing

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5907 N Kings Hwy, Myrtle Beach, SC 29577

David Hart Breen

Litigation, Workers' Compensation, Insurance, Credit & Debt

Status: In Good Standing

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1341 44Th Ave N, Myrtle Beach, SC 29577

John R. Lester

Commercial Real Estate, Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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1303 Azalea Ct., Myrtle Beach, SC 29577

Bhumi Amit Patel

Residential Real Estate, Foreclosure, Construction Contracts, Credit & Debt

Status: In Good Standing

CONTACT

1357 21St Ave. North, Myrtle Beach, SC 29577

Pamela Marie Secrest

Internet, Civil Rights, Commercial Bankruptcy, Medical Malpractice

Status: In Good Standing

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1900 Oak Street, Myrtle Beach, SC 29578

Anna Scott Magann

Collection, Litigation, Contract, Personal Injury, Workers' Compensation

Status: In Good Standing

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950 48Th Ave., N., Myrtle Beach, SC 29577

Gregory J. McEvoy

Traffic, Divorce & Family Law, Elder Law, Bankruptcy & Debt, Property Damage

Status: In Good Standing

CONTACT

4610 Oleander Dr., Myrtle Beach, SC 29577

Joseph H. Wachter

Corporate, Credit & Debt, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

PO Drawer 2567, Myrtle Beach, SC 29578

800-923-0641

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LEGAL TERMS

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

SAMPLE LEGAL CASES

CASON COMPANIES, INC. v. GORRIN

... In a consumer credit sale, "either the debt is payable [1] in installments or [2] a credit service charge is made." SC Code Ann. Â§ 37-2-104(1)(d) (2002). Seller asserts that its Credit Application authorized neither method of debt payment. ...

Mitchell v. Mitchell

... SC 206, 212, 634 SE2d 51, 54 (Ct. App. 2006). Moreover, Husband concludes in his brief that, alternatively, this court should "modify [t]he Final Decree of Divorce so as to equally divide the marital estate and credit card debt.".

Kennedy v. Kennedy

... II. Credit Card Debt. Next, Husband argues the family court abused its discretion in failing to equitably divide the parties' credit card debt on a 50/50 basis because the debt at issue was accrued during the parties' marriage and thus subject to equitable division. We disagree. ...

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Aynor Credit & Debt Lawyer, South Carolina

Sponsored Law Firm

Moss & Associates Attorneys, P.A.

SPONSORED LAWYERS

James Thomas Young

C. Winfield Johnson

Harry Pavilack

David Hart Breen

John R. Lester

Bhumi Amit Patel

Pamela Marie Secrest

Anna Scott Magann

Gregory J. McEvoy

Joseph H. Wachter

TIPS

LEGAL TERMS

DEBIT CARD

CREDIT COUNSELING

INTEREST

GUARANTOR

UNDUE HARDSHIP

TRADE DRESS

FAIR LABOR STANDARDS ACT (FLSA)

COLLECTION AGENCY

LIEN

SAMPLE LEGAL CASES

CASON COMPANIES, INC. v. GORRIN

Mitchell v. Mitchell

Kennedy v. Kennedy

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