Payne & Black, LLC

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From offices in Rock Hill and Columbia, the law firm of Payne & Black represents clients throughout SC in matters involving, Elder Law, Medicaid, Wills, Trusts, Estates, Special Needs Trusts, Asset Protection Law, Bankruptcy, and Tax Law.

Considering filing for bankruptcy but unsure which path fits your situation? Understanding the differences between Chapt...
09/25/2026

Considering filing for bankruptcy but unsure which path fits your situation? Understanding the differences between Chapter 7 liquidation and Chapter 13 reorganization is the first step toward financial relief. Learn more about your options.

Most individuals file Chapter 7 or Chapter 13, but there are six types of bankruptcy. Bankruptcy can help individuals and businesses get major debt relief, but there are alternatives.

When you inherit property encumbered by a mortgage, you also assume responsibility for managing that debt. Understanding...
09/24/2026

When you inherit property encumbered by a mortgage, you also assume responsibility for managing that debt. Understanding mortgage assumption rights, reverse mortgage deadlines, and tax basis step-ups helps protect your estate.

In many situations when a family member passes away, beneficiaries inherit both a home and the mortgage that goes with it.

Weighing Chapter 7 vs. Chapter 13 bankruptcy? From passing the income means test to protecting your home and assets, kno...
09/22/2026

Weighing Chapter 7 vs. Chapter 13 bankruptcy? From passing the income means test to protecting your home and assets, knowing how each bankruptcy chapter works is essential.

There are six types of bankruptcy: Chapters 7, 9, 11, 12, 13 and 15. See who each is for, timelines, costs and which type fits your situation.

What is a revocable living trust, and how does it fit into your estate plan? A trust can help keep your assets organized...
09/22/2026

What is a revocable living trust, and how does it fit into your estate plan? A trust can help keep your assets organized, avoid probate, and ensure seamless management if you become unable to handle your finances.

A revocable living trust is an arrangement set up through a legal document. The document gives someone the power to make decisions about another person’s money or property that’s held in the trust.

Wondering whether Chapter 7 or Chapter 13 bankruptcy fits your financial situation? Understanding the key differences in...
09/18/2026

Wondering whether Chapter 7 or Chapter 13 bankruptcy fits your financial situation? Understanding the key differences in eligibility, asset protection, and repayment plans can help you make an informed choice for your future.

Learn the key differences between Chapter 7 and Chapter 13 bankruptcy. Discover which option suits your financial situation best

A last will and testament is a legal document that ensures your personal property, money, and assets are distributed acc...
09/17/2026

A last will and testament is a legal document that ensures your personal property, money, and assets are distributed according to your wishes after you pass away. It also allows you to name legal guardians for your minor children and choose an executor to manage your affairs. Without a valid will, state laws determine who inherits your belongings, which may not align with what you intended.

Learn what a last will and testament does, who needs one, how to make a legally valid will, and how it differs from a trust or living will.

Evaluating a nursing home for a family member? Look beyond the headline star rating. Checking total nurse hours per resi...
09/16/2026

Evaluating a nursing home for a family member? Look beyond the headline star rating. Checking total nurse hours per resident day, registered nurse coverage, and health inspection scores gives a clearer picture of daily care standards. Read our quick breakdown of CMS data metrics.

The federal nursing home staffing rule was repealed February 2, 2026. What state-level CMS data shows, the four facility-level numbers families should check, and the state mandates still in force.

Are you overwhelmed by debt and considering bankruptcy? Understanding the differences between Chapter 7 liquidation and ...
09/15/2026

Are you overwhelmed by debt and considering bankruptcy? Understanding the differences between Chapter 7 liquidation and Chapter 13 repayment plans is the first step toward regaining your financial footing.

While bankruptcy can offer a fresh financial start, it isn’t the best solution for every situation. Read more about the pros and cons of filing for bankruptcy.

Estate planning allows you to name trusted individuals for important roles before they are ever needed. Setting up docum...
09/15/2026

Estate planning allows you to name trusted individuals for important roles before they are ever needed. Setting up documents like a power of attorney and naming account beneficiaries ensures your personal care and financial decisions are handled according to your wishes. Establishing these protections early gives you control over how your assets and healthcare are managed.

Since estate planning can be complex, here’s an overview of 7 things you should know about handling your estate when you die.

Chapter 7 bankruptcy offers individuals facing overwhelming debt a fresh start by discharging qualifying unsecured oblig...
09/11/2026

Chapter 7 bankruptcy offers individuals facing overwhelming debt a fresh start by discharging qualifying unsecured obligations. Understanding how means testing, asset exemptions, and automatic stays protect your finances is crucial before filing.

Learn how the process works: https://www.experian.com/blogs/ask-experian/what-is-chapter-7-bankruptcy/?

Chapter 7 bankruptcy can clear many types of unsecured debts. Learn about who qualifies, the filing process and what debts can and can’t be discharged.

Address

131 Caldwell Street
Rock Hill, SC
29730

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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