Articles

Car Repossession in South Carolina: What You Need to Know

Repossession is a process in South Carolina that allows a lender to take back a car when a borrower defaults on the loan or lease payments or some other condition of the loan (like keeping up collision insurance).   While a lender does not need a court order to do this, they may take a specific action that can be considered wrongful --  and create potential legal claims by the borrower. Here are the “Big 4” "No-No's" for lenders repossessing cars in South Carolina.  1. Breach of the Peace Lenders are prohibited from using force or threats of violence to reposse ...

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What Happens When Your Insurance Company Won’t Pay Your Claim?

Paying insurance premiums is a fact of life. When you borrow money for a house, you need home insurance. Car owners must buy auto insurance. To protect your family, you need life insurance. And everyone has some kind of health insurance. The insurance companies have great ads (Flo, Jake, "Chaos," ducks and lizards) to make you believe they will take care of you if anything happens. That's their promise. If the insurance company does not keep their promise, you have rights. It's a legal contract. The insurance company must pay your claim - and all of it - if something happens. But there's mo ...

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ID Theft Help – When to Call a Lawyer

Download our step-by-step guide for tackling ID theft Are you a Data Breach Victim? ID Theft Victim? Both??  -- When to Call the Cavalry. Happy Anniversary South Carolina Taxpayer! October 10, 2022 marked 10 years since the South Carolina Department of Revenue was hacked by cybercriminals, who made off with 3.6 million social security numbers and at least 387,000 credit and debit card numbers. There's a (REALLY) good chance that at least your social security number, at the very least, was taken, since 3.6 million was about 3/4's of South Carolina's population in 2012. Cong ...

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