How to File Bankruptcy Online in South Carolina
Bankruptcy is regulated by federal law and is filed in federal court. There are three locations for the U.S. Bankruptcy Court in South Carolina. Bankruptcy helps individuals or businesses repay overwhelming debt. It allows them to pay off creditors or arrange for a payment plan. Businesses are able to make orderly payments to their creditors, either by reorganization or liquidation of assets. Only attorneys in good standing in South Carolina can use the online filing system. Otherwise, while you can fill out the bankruptcy forms online and print them out, you will need to go to court to file the actual papers.
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Instructions
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Get credit counseling at least 180 days before filing. The bankruptcy law requires that individuals receive credit counseling before filing for bankruptcy. Make sure you obtain proof of such counseling.
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Compile your financial records. When filing for bankruptcy, you will need to prove that you are overwhelmed by your debt and can no longer pay. You will need to get your bills together and all your creditor information to prove this. You also need to prepare a financial statement.
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Study the federal government bankruptcy website, as well the website for the District of South Carolina (see Resources below) for specific information.
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Gather all the documentation required, as well as your filing fees, and file the paperwork in the bankruptcy court. There are three court locations in the South Carolina District: in Columbia, Spartanburg, and Charleston. See a link in Resources below to the court locations. The bankruptcy forms are available in fillable form on the bankruptcy Web site.
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If you are filing a business bankruptcy, even if it is a one-man business, you must use the services of an attorney.
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