Spartanburg Tops Foreclosure List–A Dubious Honor

Stop Foreclosure!

According to those folks that track foreclosures, Spartanburg currently has the fastest growing foreclosure rate in the country.  Wouldn’t you know, we finally get to the top, and it’s a list we’d rather not be on at all.  Perhaps even more significant is that four of the top five locations on that list are clustered in and around South Carolina:  Spartanburg, Myrtle Beach, Savannah and Charlotte.

The good news is this: South Carolina is also adding jobs at the second highest rate in the nation.  So, although foreclosures may be increasing, so are the number of people who may be able to save their homes in a Chapter 13 bankruptcy.  Chapter 13 is designed to relieve a homeowner who has suffered a temporary interruption in income, but given time to catch up, can afford to keep their home.

Chapter 13 allows someone whose mortgage payments are behind time to catch up.  You go back to making your regular payment as if you’d never gotten behind, and at the same time you are making an extra payment to catch up the arrears.  Eventually, all the payments are caught up, and your mortgage is reinstated, just as if you had never been behind, even if your lender started foreclosure proceedings.

Because Chapter 13 requires that you make your regular mortgage payment, plus some to catch up the back payments, it may not be ideal for those whose income has decreased, unless there are other debts that can be restructured to make up the shortfall.  But for those who have fallen behind on mortgage payments while they were out of work, but are now returning to work (or getting better job).

So if you’re facing foreclosure, but you’re back at work, go talk to a bankruptcy attorney, and see if Chapter 13 fits your situation.  And even if you aren’t back at work quite yet, it wouldn’t hurt to go talk to someone about the your situation, and be prepared to protect your home when you are back at work.


Däna Wilkinson (pronounced "Donna") is a bankruptcy lawyer practicing in Spartanburg, South Carolina and serving South Carolina's upstate region, including Greenville, Spartanburg, Gaffney, Union, Anderson, Easley and Pickens. She has been in practice for more years than she cares to count, but it’s more than 20 years. Däna has been a bankruptcy lawyer from the very beginning of her career as a lawyer.

Däna went to law school at the University of South Carolina, where she was Student Works Editor on the South Carolina Law Review and a member of the Order of Coif. She started doing bankruptcy work while still a student, working for a bankruptcy boutique firm whose members included a Chapter 7 panel trustee, and recognized experts in Chapter 11 reorganizations. She enjoyed the work from the beginning, and upon graduation took a job as a law clerk to the Honorable Rodney Bernard, bankruptcy judge for the Western District of Louisiana. Judge Bernard had spent a number of years on the bankruptcy bench, and was an excellent teacher and mentor. Upon Judge Bernard’s retirement, Däna stayed on for a time as clerk to the Honorable Donald W. Boe, until homesickness for South Carolina struck, and she returned to private practice in Charleston. Four years later, she received an offer to return to Columbia, where she practiced until 1997.

In 1997, planning to start a family, Däna decided to return home to the Upstate, and opened her own practice in Spartanburg in 1998. Over the years, Däna represented all sorts of parties in bankruptcy: business debtors in reorganization, individual debtors, creditors and creditors’ committees, and trustees. In establishing her own practice Däna decided to focus on consumer debtors, ordinary people who find themselves overwhelmed by debt. Her focus is on the individual needs of clients, and on crafting a solution to their unique financial needs. She is committed to helping clients make a fresh start, and preserving their dignity in the process.

Däna is the proud mother of a beautiful, talented and very active daughter, who is, as her mother says, “practically perfect.” She is also active in both church and community activities, all of which means that there is a fair chance that any given blog post was written while in the car pool line or while waiting for a hearing or a meeting to start.

Däna is also certified as a bankruptcy specialist by the South Carolina Supreme Court, which means that she has taken and passed a proficiency examination on bankruptcy law, devoted her practice to bankruptcy for a number of years, and continues to take classes on bankruptcy law and related issues.

Contact information for Däna Wilkinson:

Law Office of Däna Wilkinson
365-C East Blackstock Road
Spartanburg, SC 29301
(864) 574-7944
[email protected]

Däna also blogs at


  1. sara says:

    Fear of foreclosure, yes you can always ask a Bankruptcy attorney. Glad you informed everybody..

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