What to Know About Danley Law Firm PC and Bankruptcy Representation

Danley Law Firm PC handles bankruptcy cases across South Carolina

Danley Law Firm PC is a law firm based in South Carolina that represents individuals and businesses in bankruptcy matters. The firm works with clients navigating Chapter 7, Chapter 13, and other bankruptcy filings under federal law. If you are considering bankruptcy or have already decided to file, understanding what a bankruptcy attorney does and how to evaluate a firm can help you make an informed decision about representation.

A bankruptcy attorney's role is to explain your options, prepare and file required documents with the court, represent you in proceedings, and communicate with creditors on your behalf. The specific services depend on which chapter of bankruptcy you pursue and your individual circumstances.

Key Takeaways

• Danley Law Firm PC is a South Carolina-based firm that handles bankruptcy cases for individuals and businesses.
• Bankruptcy attorneys prepare court documents, explain your rights and options, and represent you throughout the process.
• You can contact the firm directly to discuss your situation and learn what services they offer for your specific case.
• Before hiring any bankruptcy attorney, confirm their experience with your type of case and understand how they charge for their work.

What bankruptcy attorneys do

A bankruptcy attorney reviews your financial situation, debts, income, and assets to determine which chapter of bankruptcy may fit your circumstances. They explain the differences between chapters, the consequences of filing, and what happens after discharge. This guidance helps you understand whether bankruptcy is the right path or whether other options might work better for your situation.

Once you decide to file, the attorney prepares the petition and schedules—detailed forms listing your debts, income, expenses, and property. These documents must be accurate and complete, as they form the foundation of your case. The attorney also handles communication with the bankruptcy trustee assigned to your case and with creditors who may object to your filing or discharge.

In Chapter 13 cases, the attorney may negotiate a repayment plan with creditors and represent you if disputes arise during the three- to five-year plan period. In Chapter 7 cases, the attorney guides you through the liquidation process and helps protect exempt property from being sold to pay creditors.

How to contact Danley Law Firm PC

You can reach Danley Law Firm PC by phone or by visiting their office in person to schedule a consultation. During an initial meeting, you can discuss your financial situation, ask questions about the bankruptcy process, and learn what the firm charges for representation. Many bankruptcy attorneys offer free or low-cost initial consultations so you can understand your options without financial pressure.

When you call or visit, have information ready about your debts, income, and major assets. This helps the attorney give you a clearer picture of what bankruptcy might look like in your case and what it would cost to hire them.

Understanding attorney fees for bankruptcy

Bankruptcy attorneys charge in different ways. Some charge a flat fee for the entire case, which is common for Chapter 7 filings. Others charge hourly rates, particularly for more complex cases or Chapter 13 filings. In Chapter 13 cases, the court must approve the attorney's fee, and it is typically paid as part of your repayment plan rather than upfront.

Ask the firm to provide a written fee agreement that explains exactly what is included in their charge and what costs, if any, are separate. Court filing fees are separate from attorney fees and are paid directly to the bankruptcy court. The current federal filing fee varies by chapter, so confirm the current amount when you speak with the firm.

Questions to ask before hiring an attorney

Before you commit to working with Danley Law Firm PC or any bankruptcy attorney, ask about their experience with cases like yours. How many Chapter 7 or Chapter 13 cases have they handled? How long have they practiced bankruptcy law? Do they handle cases in the federal district where you would file?

Also ask who will handle your case day-to-day. Will the attorney you meet with be the one working on your file, or will a paralegal or associate handle most of the work? What is their process for keeping you informed as your case moves forward? Understanding these details helps you know what to expect and whether the firm's approach matches what you need.

What happens after you hire an attorney

Once you hire the firm, they will schedule meetings to gather detailed financial information. You will complete credit counseling through an approved provider—this is required by federal law before any bankruptcy filing. The attorney will then prepare your petition and schedules based on the information you provide.

After filing, you will receive a case number and court date. The trustee assigned to your case will review your documents and may ask questions at a meeting of creditors. Your attorney represents you at this meeting and any court hearings. Throughout the process, the firm communicates with creditors, the trustee, and the court on your behalf.

Frequently Asked Questions

How do I know if I should file for bankruptcy?

A bankruptcy attorney can review your situation and explain whether bankruptcy might help. Generally, bankruptcy makes sense when you have significant debt you cannot pay, creditors are suing or garnishing your wages, or you are facing foreclosure. An attorney can also explain non-bankruptcy alternatives if they might work better for you.

What is the difference between Chapter 7 and Chapter 13?

Chapter 7 involves liquidating non-exempt assets to pay creditors, and remaining may be able to access debts are discharged. Chapter 13 involves a court-approved repayment plan over three to five years. An attorney can explain which chapter fits your income, debts, and assets.

Will filing for bankruptcy stop creditor calls and lawsuits?

Yes. When you file, an automatic stay goes into effect that stops most collection activities, including calls, lawsuits, and wage garnishment. Your attorney files the petition, which triggers this protection immediately.

Can I keep my house or car if I file for bankruptcy?

It depends on your state's exemption laws, the amount you owe, and which chapter you file under. South Carolina has specific exemptions that protect certain property. Your attorney will explain what you can keep based on your situation.

How long does bankruptcy take?

Chapter 7 typically takes three to six months from filing to discharge. Chapter 13 takes three to five years because you are making payments on a plan. Your attorney can give you a timeline based on your specific case.