Since I take payment plans, most people can spread the fee over time and can afford it, ESPECIALLY if they are not having to pay their other creditors while they are waiting to pay the attorney and file bankruptcy. Ask your attorney which of your bills you need to keep paying and which you do not need to pay after your first visit.
Some people get money from relatives or use their little bit of savings. I can’t really say how people do it, but they do it.
If you are so broke that you think you might qualify for free legal services then contact your local office of the South Carolina Legal Services, as they will evaluate your income and assets and send you to an attorney for which it will pay. The South Carolina Bar also refers cases to attorneys who will do your case for free but you have to qualify for that as well. Most free legal services base their standards on some sort of poverty guidelines and they will be happy to explain that to you.
