
Whether you’re struggling with credit card debt, medical bills, or other financial challenges, our team understands how debt can affect your personal and professional life. Bankruptcy law provides a path for relief. When you work with Farmer & Morris Law, PLLC, our Spartanburg bankruptcy lawyers review your situation, explain your options, and help you plan the best way forward.
Bankruptcy allows you to seek relief from creditors, often suspending their right to collect. We know this is a difficult time, and our goal is to make the legal process as smooth and stress-free as possible. Reach out to our South Carolina bankruptcy lawyers
today.
What a Spartanburg Bankruptcy Lawyer From Our Firm Can Do
Navigating bankruptcy proceedings independently can be frustrating and time-consuming. Instead, let us guide you through the entire process. A bankruptcy lawyer from Farmer & Morris Law, PLLC, can:
- Advise you on which Chapter to file for bankruptcy under: There are several types of bankruptcy, each designed for individuals in different circumstances.
- Directly communicate with your creditors: Don’t worry about communicating with your creditors directly. A lawyer from our office can serve as a middleman and relay all messages between you and those seeking compensation from you.
- Collect all necessary paperwork: Our team can inform you about the types of documents you are likely to need and may even request specific documents on your behalf.
- File your petition: To ensure the legal process proceeds smoothly, we can file all necessary forms on time and with accurate information.
- Represent you at bankruptcy hearings: We can be an aggressive advocate for your rights.
- Enforce your rights: If a creditor violates your stay or discharge, we can take swift action to protect your rights.
Filing for bankruptcy can be complicated and requires attention to detail and thoroughness. For example, bankruptcy only includes debt that existed upon your filing, meaning you are required to pay debts you incur during and after your case. Our team can make sure you are an involved, informed party in the proceedings by:
- Going over the bankruptcy process: We understand that bankruptcy can be a complex process. Our team will sit down with you to review everything and address any questions you may have.
- Providing professional advice: When it comes time to make legal decisions, we can explain the pros and cons of each option so that you can make informed choices that are best for yourself and your family.
- Updating you regularly: Whenever there is a new development, we contact you as soon as possible so that you have the maximum amount of time to decide how to react.
Our bankruptcy clients have expressed appreciation for the respect and patience we show our clients during what is often one of the most challenging times of their lives. Now, we want to provide that same compassionate service to you. Read testimonials from some of our clients:
- “We were sinking in debt, and Caleb Farmer walked us through the process of Chapter 13 bankruptcy. With their assistance, we are nearing the end of the process, and their valuable support has enabled us to pay off our debts and rebuild our credit. We will be forever thankful to their talented staff. We highly recommend them to anyone considering bankruptcy.” — Chapter 13 bankruptcy client.
- “Simply put, Caleb did everything that I could possibly have expected and more. Even in the years following the bankruptcy, Caleb and Sandie went way above and beyond to help us with every aspect of the process. You will not find better people.” — John, bankruptcy client
If you’re considering filing for bankruptcy, our firm can provide support, practical guidance, and legal services. This will leave you free to attend to other important matters in your life and focus on your future goals.


Bankruptcy Chapters You Can File Under
Our legal team wants to do what we can to help put your finances back on track. We help individuals and small businesses file cases under Chapter 7 and Chapter 13. Additionally, we can help you file under Chapter 11 reorganization bankruptcy, as well as under Chapter 12 if you are a family farmer.
Chapter 7 Bankruptcy
Chapter 7 is sometimes known as “total bankruptcy.” It is the only one of the four types of bankruptcy discussed here that does not require the creation of a repayment plan—you will no longer be responsible for repaying your debts included in the bankruptcy.
Per the Internal Revenue Service (IRS), an entity may qualify to file Chapter 7 if they are:
- An individual who cannot keep up with monthly debt payments
- A business that is preparing to end operations
- In possession of any amount of debt
To settle your financial obligations, a trustee liquidates the non-exempt property and distributes the funds amongst the creditors. However, many people filing Chapter 7 have little to no non-exempt property and can keep all their assets, such as their home and car.
Chapter 13 Bankruptcy
Unlike Chapter 7 cases, Chapter 13 filings allow you to reorganize your finances and repay creditors in a court-supervised payment plan, with some portion of your debt being forgiven.
To proceed with a Chapter 13 case, you must:
- Develop a repayment plan with your creditors that outlines how and when you will pay your debts
- Be capable of meeting your payment plan obligations
- Show that you are willing to sell or surrender some assets to settle accounts with creditors, if necessary
Chapter 13 bankruptcy may be an ideal option if you experience sudden debt because of a temporary financial issue. This option can give you the time you need to restructure your debt in a way that makes repayment possible.
Chapter 11 Bankruptcy
To proceed with Chapter 11, according to the IRS, you must show that:
- You are “an incorporated business” or an individual with too much debt to qualify for Chapter 13 bankruptcy
- You can come up with a feasible plan to repay your debts in a reasonable period
- You have made a reasonable effort to reorganize your finances
If you are filing under Chapter 11, your lawyer will help you organize a plan of action for dealing with your creditors. Before you can proceed you will need to present your financial strategy to your creditors, who will then review whether your plan is satisfactory.
We may have to go back and forth with your creditors multiple times until they approve your plan. This is another reason why people often seek legal help with a bankruptcy case, as trying to handle such negotiations alone can be strenuous and require knowledge of applicable laws.
Chapter 12 Bankruptcy
According to the United States Courts, Chapter 12 is reserved for fishermen and family farmers. It enables them to develop a repayment plan for their creditors within three years. All creditors must also approve this plan before it is implemented.
If this is relevant to your situation, a bankruptcy lawyer from our Spartanburg office can review your situation and help you develop an achievable repayment plan. We can also work with a Chapter 12 trustee, whose job is to monitor the progress of your farm’s revenue while the case moves through the legal process.


What Information Is Needed for a Bankruptcy Case
If you’re considering filing for bankruptcy, gathering the right documents early can help your attorney assess your options and prepare your case efficiently. You should be ready to provide the following:
- Income documentation: Pay stubs, tax returns (usually two years), and other proof of income
- Asset information: Titles, deeds, vehicle registrations, and appraisals for property you own
- Debt details: A complete list of creditors, loan statements, credit card balances, collection notices, and any legal judgments
- Monthly expenses: A detailed budget including rent/mortgage, utilities, food, transportation, medical costs, and child support, if applicable
- Financial transactions: Bank statements (typically 3–6 months), recent large purchases or transfers, and retirement account information
- Legal documents: Copies of lawsuits, wage garnishments, foreclosure notices, or repossession threats
Having this information organized can help us determine whether you qualify for Chapter 7, Chapter 13, or another type of bankruptcy and guide you toward the most appropriate path to financial relief. If you are unsure of where to find this info, our Spartanburg bankruptcy lawyers can help.
Why Our Clients Rely on Our Spartanburg Bankruptcy Attorneys When Filing
Those who are facing bankruptcy often feel like they’re on the brink. They may face creditor harassment, such as repeated phone calls, or worry about how they can provide for their families if they must take on payment plans that are too high.
The financial difficulties that lead to bankruptcy can be all-consuming, and the bankruptcy process is often more than our clients can handle. In their time of need, those clients turn to us for help.
Bankruptcy clients hire Farmer & Morris Law, PLLC, because:
- Bankruptcy is one of our primary practice areas
- We’ve delivered positive results for former clients going through bankruptcies
- We have legal training and experience that bankruptcy clients seek
- We always treat our clients with the respect and dignity they deserve
Our firm will handle much of the bankruptcy process for you. We know that your life does not stop while you’re dealing with bankruptcy. Since we will take the lead on your legal proceedings, you can focus on developing a plan for your life after the process is complete.
We will work to keep creditors informed of your bankruptcy proceedings. As we work to get relief for you, those creditors may contact us instead of you with any questions they may have. This will allow you much-needed peace of mind.
Our firm is prepared to assist you with all your bankruptcy-related questions and concerns. Don’t wait to start working on your case. The sooner you start the process, the sooner we can help get you back on track financially.


We Provide Client-Focused Legal Care
When you trust your case to our bankruptcy lawyers, you will get the personalized legal care you deserve. We never apply a one-size-fits-all approach to our client’s cases. Instead, we tailor our legal strategy to suit each of their individual needs.
When you work with us, we will also make it a priority to keep you informed and updated about your case. You can contact us with any questions that you may have during the process, as well.
Call for a Bankruptcy Consultation Today
If you can no longer manage your bills or pay your debts, bankruptcy may be a logical option to pursue. A Spartanburg bankruptcy lawyer from Farmer & Morris Law, PLLC, can review your finances, advocate for your rights, and file under the Chapter that applies to your situation. Our goal is to help our South Carolina community get the legal representation they deserve. Call today.

