How long does a Chapter 7 bankruptcy filing actually take?

Reviewers report three months to filing even when all documents are submitted upfront, with multiple re-submissions of the same paperwork.

Will I speak to the attorney?

No. Case workers handle most communication. Attorneys are not available to clients in routine matters.

What does the $100 retention cover?

The firm advertises $100 retention, but one reviewer paid $1,395 in additional fees that were not explained upfront. Confirm the full fee breakdown before signing.

Moss & Associates

Updated 2026-08-27 · 4,677 reviewed · 111 listed · Scored from 92 Google reviews · How we rank ›

4.0(92) 67 composite score See reviews on Google ✓ Google-verified Publishes prices

Foreclosure DefenseBankruptcy LawDebt Collection Defense

Services: Foreclosure Defense, Bankruptcy Law, Debt Collection Defense
Reviews: 92

What recent reviews say

Moss & Associates delivers when cases settle (clients credit them with saving homes and managing debt), yet the firm struggles with follow-through. Reviewers praise Amanda and initial case handling but report communication breakdowns, unexplained fees, and months-long delays in filing and responding to client concerns. Some describe the firm as caring and professional; others call it overworked and money-focused.

Praised for

compassionate and supportive approach
responsive staff (particularly Amanda)
successful outcomes on mortgages and bankruptcies
knowledgeable about process and options

Watch-outs

poor communication and long hold times
missing court documents and delays
misleading fee structure and hidden costs
staff overwhelmed and unresponsive to email

responsive-communicationpoor-communicationknowledgeablesaved-my-homesuccessful-outcomecompassionatehard-to-reachmissed-deadlinesoverpricedslow-response

Best for: Clients seeking foreclosure or bankruptcy protection who can tolerate communication gaps for a low-cost filing.

Think twice if: Expect slow responses by phone and email; cases can take months to file even with all documents submitted upfront.

Strengths

Results on home and vehicle retention
Staff like Amanda praised for clarity and empathy
Statewide service reach
Low entry fee ($100 retention claimed)

Worth knowing

Amanda cited by name for clear, helpful client communication
Chapter 7 filing takes three months or longer even with submitted documents
Clients report one-hour-plus hold times on phone calls
One reviewer noted firm advised not paying car note and keeping car hidden until eviction notice
Case workers handle most client contact, not attorneys

What reviews say by service

Bankruptcy Law: Cases eventually filed and confirmed, but three months or longer with repeated document requests and no communication during process.
Foreclosure Defense: Successfully stopped foreclosures and protected homes in several cases, though ongoing creditor compliance issues reported.
Debt Collection Defense: Limited evidence; one reviewer noted firm reluctant to file contempt against non-compliant creditors post-bankruptcy.

How it compares

Rated 4 against a 4.7 average across the 42 bankruptcy law businesses listed here.
Has more Google reviews than 84% of the businesses in this directory.

How we scored this

How We Score

Star rating 42

Review volume 85

Review recency 100

Review sentiment 48

Profile completeness 100

Verification 30

Rating breakdown

Common questions

How long does a Chapter 7 bankruptcy filing actually take?: Reviewers report three months to filing even when all documents are submitted upfront, with multiple re-submissions of the same paperwork.
Will I speak to the attorney?: No. Case workers handle most communication. Attorneys are not available to clients in routine matters.
What does the $100 retention cover?: The firm advertises $100 retention, but one reviewer paid $1,395 in additional fees that were not explained upfront. Confirm the full fee breakdown before signing.

Contact

Phone: +1803-933-0202
Website: https://mossattorneys.com/
Address: 816 Elmwood Ave, Columbia, SC 29201
Open in Google Maps

Last verified 2026-08-27

Opening hours

Monday: 09:00-18:00
Tuesday: 09:00-18:00
Wednesday: 09:00-18:00
Thursday: 09:00-18:00
Friday: 09:00-17:00
Saturday: Closed
Sunday: Closed

As listed on Google.

From their website

Services listed

Mortgage ModificationChapter 13 BankruptcyChapter 7 BankruptcyStop ForeclosureCreditor HarassmentRepossessionJudgementsLawsuits

Published prices

File Chapter 7: $338 plus reasonable attorney fees
Retain Us: as low as $100
File Chapter 13: $313 plus reasonable attorney fees

Operating:+20 Years of Experience

As published by the business on its own website; not independently verified.

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