If you’re struggling with overwhelming debt in Greenville, South Carolina, you’re not alone. Mounting bills, wage garnishments, and creditor harassment can make it feel like there’s no way out. But Chapter 7 bankruptcy may offer a path to financial relief. At Jason Ward Law, LLC, we help individuals and families across the Upstate find fresh starts through the power of bankruptcy protection.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a legal process that allows qualified individuals to eliminate most unsecured debts, such as:

• Credit cards
• Medical bills
• Payday loans
• Repossessions
• Personal loans

It’s sometimes referred to as “liquidation bankruptcy,” but in most cases, you can keep your home and car—especially if you’re current on your payments and the property falls within South Carolina exemption limits.

How Chapter 7 Helps You Regain Control

One of the most powerful tools Chapter 7 offers is the automatic stay, which goes into effect the moment you file. This halts:

• Lawsuits
• Wage garnishments
• Repossession efforts
• Foreclosure proceedings
• Harassing creditor calls

This immediate relief gives you time to breathe, regroup, and start planning for a debt-free future.

Do You Qualify for Chapter 7 Bankruptcy in South Carolina?

To qualify, you’ll need to pass a means test—a calculation of your income, expenses, and household size. The court uses this to determine whether you truly can’t afford to repay your debts.

You'll also need to complete a credit counseling course before filing, and a debtor education course before your case can be discharged.

At Jason Ward Law, we walk you through each step, ensuring you're compliant with all requirements so your case proceeds smoothly.

What Chapter 7 Doesn’t Cover

While Chapter 7 is a powerful tool, some debts are non-dischargeable, including:

• Child support and alimony
• Most student loans
• Recent tax debts
• Court fines and restitution

Still, wiping out your credit card and medical debt can free up resources to manage these remaining obligations more effectively.

Why Choose Jason Ward Law for Your Bankruptcy Case

Our firm has helped countless South Carolinians get back on their feet through bankruptcy. We take a compassionate, customized approach—focusing on your specific goals and protecting your assets whenever possible.

We understand that filing for bankruptcy can feel intimidating, but we’re here to guide you through it with clarity, honesty, and support.

Take the First Step Toward Relief

Don’t let debt control your life. Contact Jason Ward Law, LLC today to schedule your consultation and find out whether Chapter 7 bankruptcy is right for you.