Pamplico Bankruptcy & 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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Michael S. Hopewell

Commercial Bankruptcy, Litigation, Housing & Urban Development

Status: In Good Standing Licensed: 32 Years

CONTACT

Florence, SC 29503

John G. Hendrick

Real Estate, Business, Collection, Personal Injury

Status: In Good Standing Licensed: 17 Years

CONTACT

Florence, SC 29503

Brooke Chapman Evans

Litigation, Estate Planning, Collection, Personal Injury

Status: In Good Standing

CONTACT

Florence, SC 29503

Joshua A. Bailey

Criminal, Divorce & Family Law, Workers' Compensation, Collection, Social Security -- Disability

Status: In Good Standing Licensed: 17 Years

CONTACT

900 W. Evans Street, Florence, SC 29503

Frank Clayton Swaggard

Employee Rights, Divorce & Family Law, Bankruptcy & Debt, Personal Injury

Status: In Good Standing

CONTACT

403 Second Loop Road, Florence, SC 29504

Hugh L. Willcox

Real Estate, Lawsuit & Dispute, Workers' Compensation, Bankruptcy

Status: In Good Standing

CONTACT

Florence, SC 29501

Edgar Lloyd Willcox

Estate Planning, Workers' Compensation, Bankruptcy

Status: In Good Standing

CONTACT

Florence, SC 29503

Gary I. Finklea

Divorce & Family Law, Collection, Personal Injury

Status: In Good Standing

CONTACT

814 W Evans St, Florence, SC 29501

Carrington Salley Baker Wingard

Power of Attorney, Landlord-Tenant, Wills & Probate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Florence, SC 29502

Jay Ritchie Lee

Other, Criminal, Business, Credit & Debt

Status: In Good Standing

CONTACT

Florence, SC 29503

800-923-0641

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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Pamplico Bankruptcy & Debt Lawyer, South Carolina

Sponsored Law Firm

Moss & Associates Attorneys, P.A.

SPONSORED LAWYERS

Michael S. Hopewell

John G. Hendrick

Brooke Chapman Evans

Joshua A. Bailey

Frank Clayton Swaggard

Hugh L. Willcox

Edgar Lloyd Willcox

Gary I. Finklea

Carrington Salley Baker Wingard

Jay Ritchie Lee

TIPS

LEGAL TERMS

GRACE PERIOD

FAIR CREDIT REPORTING ACT (FCRA)

NUISANCE FEES

MEETING OF CREDITORS

LOSS DAMAGE WAIVER (LDW)

CHAPTER 13 BANKRUPTCY

DISCHARGE (OF DEBTS)

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

GENERAL PARTNER

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