Moss and Associates, P.A.

Moss and Associates, P.A.

Firm Overview

Thank you for taking the time to inquire about Moss & Associates - South Carolina's Largest Bankruptcy and Mortgage Modification filer! We have three offices; one in Columbia, Charleston, and Greenville South Carolina! We take pride in our work, and strive to meet the specific and unique needs of each client. We are a debt relief agency, and look forward to working with you to help lift your financial burdens. Please call 843-744-3002 to schedule your FREE consultation with an attorney to discuss how bankruptcy may be the answer you have been looking for.

Main Office

Main Office
816 Elmwood Avenue
Columbia SC 29201


(803) 933-0202


(843) 266-1939


Free Initial Consultation?


Services Offered For Fixed Fees?

Chapter 13: $310 plus reasonable Attorneys Fees Chapter 7: $335 plus reasonable Attorneys Fees Can be retained for as low as $100!

Hourly Rates


Office Information

Office Hours

M-TH 8:30 AM - 7:00 PM & F 8:30 AM - 5:00 PM

Office Manager

Paul Dawson - Columbia Office

Emergency After Hours


Languages Spoken


Other Offices

Charleston - Moss & Associates
2170 Ashley Phosphate Road
North Charleston

Greenville - Moss & Associates
109 Laurens Road


Bankruptcy and Debt Relief Agency

Moss & Associates, Attorneys P.A., focuses exclusively in bankruptcy law and is South Carolina's largest bankruptcy filer. We provide our clients with a unique combination of top-quality representation, small-firm economics, and commitment with offices located in Columbia, Greenville, and Charleston, South Carolina.

Our goal is to provide qualified, experienced, and effective representation. Our law firm is not leveraged on large numbers of associates. The result is cost-effective representation and greater client satisfaction. We are results driven.

Thousands of South Carolinians have turned to Moss & Associates to stop foreclosure and save their family homes. If you have missed mortgage payments, been threatened by repossession, burdened by credit card debt or are just tired of the harassment from bill collectors, we can help. Call us today, 803-933-0202.


Home Loan Modification

The present Loss Mitigation/Mortgage Modification process used in South Carolina is an efficient, manageable, and impartial process that does not delay confirmation of the plan in a Chapter 13 bankruptcy case. The process also allows for loan modifications in a Chapter 7 bankruptcy case, since the loan modification indicates the intention of the debtor to the creditor. Our firm has been able to successfully implement the Loss Mitigation/Mortgage Modification procedure and obtain confirmable Chapter 13 plans.

This procedure allows a person of fixed or limited means to retain his dwelling, possibly at a reduced payment and interest, while having a manageable Chapter 13 plan payment.

This benefits all creditors, not just the mortgage creditors, by giving the debtor an opportunity to keep their residence and grow equity, while also allowing them to pay a dividend to their creditors when they might not otherwise be able to do so.

Benefits of Loss Mitigation/Mediation Procedures and its Relation to Chapter 13 Plan and Process Loss mitigation is any act or agreement between the lender and borrower intended to resolve a default other than through an adverse foreclosure by the lender. The most common types of loss mitigation include: deed-in-lieu of foreclosure, short sale, forbearance, and loan modification.

In the majority of Chapter 13 cases, debtors are seeking to keep their homes. The Loss Mitigation/Mortgage Modification program is designed to help debtors who cannot afford their mortgages or who fall behind, and need a more manageable payment option than the traditional cure and maintain option. Loss mitigation during a debtor's bankruptcy case can provide an opportunity for the restructuring of the home mortgage.

Applying for a loan modification inside of a bankruptcy gives the loan modification process more structure and other benefits. The bankruptcy can alleviate the concerns of the lender about other outstanding debts, such as credit cards and medical bills.

Additionally, if there are issues
with an underwater second mortgage or an arrearage on homeowner's association dues that may prevent a loan modification of the first mortgage, a bankruptcy provides different alternatives for resolving these issues, such as stripping the obligation off the property or curing a default.

Debt Settlement

How did your firm decide on the primary area of practice(s)?

Moss & Associates has been dedicated to assisting those in need of debt relief. Everyday we are able to help people save their homes, vehicles, and financial burdens. We strive our best to meet the specific needs of each of our clients, and understand that each case has its own complex and unique circumstances.

What experience or education distinguishes your lawyers from others?

Each Bankruptcy Professional at Moss & Associates has the passion, experience, and educational background to assist you. Our firm employs some of the best attorneys, paralegals, and bankruptcy professionals in state!

What distinguishes your law firm from others?

Moss & Associates has grown to serve those in South Carolina - we are located in Greenville, Columbia, and Charleston! We are the largest bankruptcy firm in the state, and file more cases than any other firm of this kind.

Jason T. Moss

Moss and Associates, P.A.

Jason T. Moss, Esquire is the president at the law firm Moss & Associates, Attorneys P.A., where he focuses exclusively in the areas of litigation and bankruptcy. His firm received the 2003 South Carolina Bar Pro Bono Law Firm of the Year. Mr. Moss earned his Bachelor of Science Degree from the University of South Carolina, Magna Cum Laude, and his Juris Doctor from the University of South Carolina School of Law. He was also elected into the prestigious national honor society Phi Beta Kappa. Mr. Moss is Federally Licensed, a member of the South Carolina Bar, the South Carolina Bankruptcy Law Association and the National Association of Consumer Bankruptcy Attorneys. He has spoken at the South Carolina Bankruptcy Lawyer Association Annual Seminar, The South Carolina Bar and NBI.

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.