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David C. Gaffney
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David C. Gaffney
Gaffney Law Firm
7436 Broad River Rd.
Irmo, SC 29063
Phone: (803) 781-0500 | Fax: (803) 454-9900
http://www.gaffneylawfirm.com
Finances unmanageable? Let's discuss your options.
Legal Topic
Bankruptcy
Preferred New Clients
Individuals who are struggling to pay off debts.
Sub-Categories
Bankruptcy
- Chapter 13
- Chapter 7
- Collections & Repossessions
- Credit Disputes
- Debt Relief
- Garnishments
- Credit Repair
- Creditor Harassment
- Personal Bankruptcy
- Foreclosures
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
Bar Admissions
SC, Nov 1993
Bar Number: 66331
Other Court Admissions
South Carolina; U.S. District Court, South Carolina.
Association Memberships
South Carolina Bar Association; South Carolina Bankruptcy Law Association; National Association of Consumer Bankruptcy Lawyers.
Continuing Education
I attend continuing legal education classes offered monthly through the South Carolina Bankruptcy Law Association. I also attend continuing legal education programs offered by the National Association of Consumer Bankruptcy Attorneys. I always exceed the required number of continuing education hours.
Example Cases
Successful outcomes:
1. Elimination of a second and third mortgage loan on a client's home because the value of her home was less than the balance owed on her first mortgage. This allowed her to "value" her second and third mortgage balances to zero and eliminate the payments on both those mortgages saving her hundreds of dollars a month.
2. Helped a client recover her car after it was repossessed for past due car payments. After she recovered her car she was able to lower her car payment in a Chapter 13 case because she was able to pay the remaining balance off over 5 years at 7.25% interest.
3. Stopped I.R.S. wage levies and the elimination of thousands of dollars in unpaid income taxes that were more than three years old.
4. Obtained the dismissal of an erroneously filed mortgage foreclosure action brought in error by the first mortgage holder.
Education
Degree:
J.D.
School:
University of South Carolina School of Law
City:
Columbia
State:
SC
Year:
1993
Focus and Accomplishments:
Bankruptcy, corporate law.
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
Number of Attorneys
1
State Licensed In
South Carolina
Firm Focus and History
I focus exclusively on Chapter 7 and Chapter 13 consumer bankruptcy cases.
I opened my office in November of 2007.
Previous Employment Summary
Prior to starting my bankruptcy law practice, I was in private practice in Greenville, South Carolina working on residential and commercial real estate, mortgage, foreclosures, and general corporate law. I then was in house counsel with a privately owned residential mortgage lender that originated residential mortgage loans in 35 states. Lastly, I was in house counsel for a federal savings bank with a mortgage operations center located in Columbia, South Carolina.
Activities and Awards
I do Pro-Bono work with the South Carolina Bar Association. I also participate in the South Carolina Private Attorney Involvement program representing clients that qualify for services from the South Carolina Legal Services Corporation. Moreover, I volunteer as a Guardian ad Litem for minors in child abuse and neglect cases brought by the Department of Social Services.
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
What is your opinion regarding clients educating themselves on legal issues?
I strongly encourage all my prospective and current clients to spend as much time as they can to get familiar with their options in and out of bankruptcy. Clients cannot make an informed opinion about how to deal with debts that they are not able to pay until they are familiar with how those debts will be dealt with both outside and inside bankruptcy.
Are you willing to review documents prepared by clients?
I recommend that clients let me review any documents that they are considering sending to their creditors.
Are you willing to coach clients who want to represent themselves?
I have not done that before in the bankruptcy context but would consider doing it on a case by case basis. It happens more frequently in debt collection actions outside the context of a bankruptcy.
Why did you decide to be a lawyer?
I wanted to do something that was interesting that would let me support myself and my family.
What work experience and education helps you be a better lawyer?
Prior to becoming an attorney, I worked with two different banks making and collecting consumer loans. Since becoming a lawyer, I have worked almost exclusively with consumer financial law issues for lenders and borrowers.
Why did you decide on your primary area of practice?
I wanted to do something that would let me work with individuals.
What do you like best about your career?
I like the freedom of being self-employed and working with individuals that need my help.
Tell us about your law firm:
I am a solo-practitioner and deal with all my clients directly. I do everything from answering the phone to appearing in court with my clients.
What are your strengths and style?
I am detailed, thorough, conscientious, hard working and friendly.
Personal Interests:
I like spending time with my wife and two children when I am not working.
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
Office Manager/Assistant
Mary Fant
Fax
(803) 454-9900
Office Hours
Monday through Sunday
8:00 a.m. to 8:00 p.m.
Emergency After Hours
Yes
Foreign Languages
Mary Fant speaks Spanish.
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
Fixed-Price Services and Fees
My prices vary depending on the nature of the services and complexity of the case.
Hourly Rates
I typically bill on a flat fee basis rather than charging an hourly rate.
Free Initial Consultation?
I offer free initial consultations that range from 20 to 45 minutes depending on the nature of the problem.
Typical Retainer
No.
The Gaffney Law Firm is federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy.
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Attorneys have passed a licensing check. Nolo has confirmed that every member attorney has a valid license and is in good standing with the applicable bar associations upon joining the directory.
Directory lawyers are required to notify Nolo immediately if they become the subject of any disciplinary action by any bar association.
