Credit card debt can be completely eliminated (“discharged”) in Chapter 7.

In Chapter 13, credit card debt must be paid, starting at 1%. Increases may apply based on your income and assets.

• Credit card companies, generally, cannot garnish in South Carolina if they get a judgment.
  • There may be an exception if
    • You lived in another state when the creditor gets the judgment and then move here or
    • If you currently work in another state.

Judgments, which last for ten years in South Carolina, may become a lien on real estate and may cause a creditor to attempt foreclosure or seize your “non-exempt” assets

Medical debt can be completely eliminated (“discharged”) in Chapter 7.

• In Chapter 13, medical debt must be paid starting at 1%. Increases may apply based on your income and assets.
• Medical debt creditors, generally, can garnish your paycheck in South Carolina and can seize your tax refund.