Bailey law firm

251 South Pine Street
Spartanburg, South Carolina 29302
Spartanburg 864.582.3733
Greenville 864.233.6358

Our office limits itself to the field of bankruptcy law. If you wish to obtain the services of a Christian attorney for any other legal matter, please contact the  Christian Legal Society for a referral.

We strongly recommend the financial counseling ministry of Dave Ramsey and his services in meeting the bankruptcy credit counseling and debtor education requirements.

Dave Ramsey Debt Management Course

What Clients Say ...

"We appreciate so much all of your help. Thank you for your knowledge and your talents to bless so many lives ..." - Spartanburg

"Thank you for all your help and understanding these last few months. It was not an easy decision and after our first meeting with you, we really felt that we had made the right decision. We are looking forward to a new future with our new beginning ..." - Greenville

"Thank you for all the time and effort you put into my case, for being so efficient and so kind. Before walking into that courtroom, I prayed ... and I felt a sense of calmness. I can't tell you how relieved I felt the moment I shook your hand knowing it was all behind me and it was time to have a fresh start." - Union

"When you represented us, you represented our children." - Easley

"Thank you so much for the kindness you showed us in your office and the day we went to court." - Cross Hill

"You gave us a second chance and a new beginning and we are very grateful for that." - Pacolet

"Thank you for helping us get a fresh start. We were feeling so burdened and now we feel a big burden has been lifted." - Pelzer

"Since that first visit to your office, I have been giving my offering to the church. It has felt great to be able to do it. I hope in time the Lord will help me someday to pay back the companies I owe money to." - Greer

"Thank you and your staff for your kindness and treating me with dignity." - Spartanburg

"I have never worked with kinder and more understanding people. You are truly Christians and it reflects in everything you do. You are wonderful examples of what everyone is looking for when they need a lawyer and help." - Inman

"Thanks for showing me a light at the end of my tunnel." - Taylors

"I would like to thank your staff for putting up with all my calls and questions and being so kind and helpful to me. You have a wonderful group of people." - Greer

"We were able to secure a loan modification. Thank you for being a servant of the Lord." - Taylors

 

SHOULD A CHRISTIAN FILE BANKRUPTCY?

The Bible says we should not be borrowers, Deut. 15:6 & 28:12, Romans 13:8, and that one of the consequences of borrowing is becoming the slave of our lenders. Proverbs 22:7. Today, slavery to debt reveals itself through worry, fear, and depression, and can lead to such things as substance abuse, nervous breakdowns, divorce, etc.. We are instructed, however, that we can't have two masters, Matt. 6:24; you can't be a slave to your creditors and, at the same time, be completely surrendered and fully in service to your Lord Jesus. Your relationship with God is most certainly affected by excessive debt.

If a Christian does borrow, then he should do so from a Christian brother, who should not charge any interest. Exodus 22:25, Leviticus 25:36, Psalm 15:5, Proverbs 28:8. In fact, it is God's perfect will that we lend to each other without expecting anything in return. Luke 6:35. Therefore, it seems clear that the credit industry is not the design of God, but of man. If we have a need, it is God's design to meet it through prayer and trusting in Him. Matt. 6:31-34, Philippians 4:6, 19.

If we fall short of God's will (as we all do at one time or another), we need to repent and seek the Lord's forgiveness. 1 John 1:7-10. Not only is He quick to forgive, but He provides practical answers to our problems. In the area of debt, one solution provided by His Law was a form of bankruptcy, whereby a person's debts were released automatically every seven years. Deut. 15:1-4. Similarly, the bankruptcy laws today provide a release or discharge from debt.

As Christians, though, perhaps bankruptcy is not the end of the matter. Even though we are released from certain debts legally, we may possibly have a duty to at least maintain an intent to repay as soon as we are able, rising above the law, and acting by the Spirit. Matt. 5:20. Each person will have to answer that question himself, since ultimately it is God that will hold him accountable. In any event, we should certainly learn from our mistakes, so that we don't repeat them. We should become better stewards of all that the Lord has blessed us with. If the money to repay simply is not there, we do not need to be under condemnation. After all, it is the Lord who provides the ability to repay anyway.

We encourage our clients to repay their just debts before, during, or after bankruptcy, but only if they are able. Some of you, however, simply cannot do so, and we personally understand. So does God!

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