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Being sued by a debt collector is scary, especially for those of you facing your first lawsuit. Go through these steps as you formulate a response.

First, DON’T PANIC! Realize that you’ll have ample time to respond. In South Carolina, you have 30 days from the date you’re served to answer the complaint. That’s plenty

When things don’t work out for you financially and your liabilities far exceed your assets, filing for bankruptcy seems like the next best option—and in many cases, it is. The federal courts can relieve people of previous debts or provide more favorable repayment plans so that debtors can start over on a clean slate.

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The Coronavirus Aid, Relief, and Economic Security Act was signed into law by the President on March 27, 2020.  The CARES Act suspends the collection of student loans owned by the federal government, including interest, through September 30, 2020.  It does not apply to student loans that are not owned by the Department of Education. 

We’re seeing more and more situations here in the Charleston area in which people have “tax messes.” Here are some things to keep in mind about tax problems.
1. File your taxes on time. Failure to file is actually a crime. You may need an extension. If you can’t file on time, file for an