About STONE LAW FIRM, LLC — Bankruptcy Attorney Columbia SC

Stone Law Firm, LLC is a bankruptcy attorney practice in Columbia serving individuals, families, and veterans throughout Richland County and the greater Midlands region of South Carolina. Attorney Daniel Stone — a U.S. military veteran — operates from 455 St. Andrews Road and focuses his practice on helping clients regain financial footing through Chapter 7 and Chapter 13 bankruptcy, alongside immigration matters for families working toward green cards and lawful status. His willingness to answer the phone personally and explain options in plain terms sets a distinctive tone from the first contact.

Daniel Stone has been serving many of his clients for a decade or more — a reflection of the trust he has built through consistent results and no-judgment counsel during genuinely difficult moments. His bankruptcy practice covers the full range of consumer debt relief, from medical bill discharge in Chapter 7 to structured repayment in Chapter 13, guided by an attorney who treats the problem as his own. Spanish-speaking clients are also welcome, and reviews in Spanish reflect his broad community reach in Columbia.

What Clients Say

Clients consistently describe Daniel Stone as someone who answers the phone himself, calls back quickly, and never makes anyone feel judged for their financial situation. Multiple long-term clients — some who have worked with him for 15 years or more — highlight his professionalism across both bankruptcy and immigration matters. Reviewers note his patience and step-by-step guidance through complex processes, and Spanish-speaking clients praise his approachability and dedication. Family referrals are common, with multiple clients mentioning that they brought siblings, spouses, or parents after their own positive experience.

Bankruptcy Attorney Columbia SC — Practice Areas & Services

• Chapter 7 Bankruptcy: For clients in Richland County facing unmanageable medical debt, credit cards, or job loss, Chapter 7 provides a discharge of qualifying unsecured debts — typically completed within four to six months.
• Chapter 13 Bankruptcy: Chapter 13 allows clients with regular income to restructure debt through a three-to-five year repayment plan, stopping foreclosure and protecting assets not covered by South Carolina exemptions.
• Immigration Law: Stone Law Firm assists clients with green card applications, family-based immigration petitions, and adjustment of status — serving Columbia’s growing immigrant population in both English and Spanish.
• Mortgage & Foreclosure Defense: For homeowners in Richland County behind on mortgage payments, bankruptcy can halt foreclosure proceedings through the automatic stay and provide a path to catch up on arrears.
• Debt Negotiation & Creditor Disputes: For clients who may not qualify for or prefer to avoid bankruptcy, Stone Law Firm advises on negotiated settlements and creditor disputes under South Carolina law.

Frequently Asked Questions

What is the bankruptcy filing process in Columbia, South Carolina?

Bankruptcy cases in South Carolina are filed with the U.S. Bankruptcy Court for the District of South Carolina, which has a Columbia division courthouse at 1100 Laurel Street. After filing, an automatic stay immediately stops most collection actions, wage garnishments, and foreclosure proceedings. A meeting of creditors (341 meeting) is typically scheduled within 30–45 days of filing in Columbia.

How much does a bankruptcy attorney in Columbia, SC typically charge?

Attorney fees for a straightforward Chapter 7 case in South Carolina generally range from $1,000 to $1,500, plus the court filing fee of $338. Chapter 13 cases are more complex and typically run $3,000–$4,000 in attorney fees, though a portion can often be paid through the repayment plan. Many Columbia attorneys offer free initial consultations to assess your situation before any commitment.

Will bankruptcy ruin my credit permanently in South Carolina?

A Chapter 7 bankruptcy remains on your credit report for ten years, and Chapter 13 for seven years, but the impact diminishes over time — especially as you rebuild with secured credit and on-time payments. Many clients who discharge debt through bankruptcy find their credit scores improve within two to three years compared to the steady damage caused by ongoing collection accounts and missed payments.