Saint Matthews 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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John Brian Kelchner

Lending, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Columbia, SC 29202

Stephen Craig White

Bankruptcy & Debt, Credit & Debt, Consumer Bankruptcy, Reorganization, Bankruptcy

Status: In Good Standing Licensed: 38 Years

CONTACT

1224 Pickens St, Columbia, SC 29201

J. Carolyn Stringer

Landlord-Tenant, Real Estate, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

Columbia, SC 29224

John Brian Kelchner

Foreclosure, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Columbia, SC 29211

Elizabeth Rice Polk

Foreclosure, Real Estate, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Columbia, SC 29202

800-923-0641

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

CCCS

See Consumer Credit Counseling Service.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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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Saint Matthews Credit & Debt Lawyer, South Carolina

Sponsored Law Firm

Moss & Associates Attorneys, P.A.

SPONSORED LAWYERS

John Brian Kelchner

Stephen Craig White

J. Carolyn Stringer

John Brian Kelchner

Elizabeth Rice Polk

TIPS

LEGAL TERMS

CREDIT REPORT

COLLECTION AGENCY

BANKRUPTCY

CCCS

GARNISHMENT

CREDITOR

DOING BUSINESS AS (DBA)

GUARANTEED RESERVATION

LIABILITY

SAMPLE LEGAL CASES

CASON COMPANIES, INC. v. GORRIN

Mitchell v. Mitchell

Kennedy v. Kennedy

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