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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 2pm

The Howze Law Firm

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Rock Hill, SC
The Howze Law Firm

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The Howze Law Firm in Rock Hill, SC, was founded by Tracy Bomar-Howze in 2018. Attorney Howze ...

Attorney Howze has over 20 years of experience handling family law cases both in South Carolina and in Michigan. The Howze Law Firm focuses on helping families who are going through difficult situations. The firm handles both Chapter 7 and Chapter 13 bankruptcies, divorce, wills and powers of attorneys, . When handling divorce cases, the Howze Law Firm also deals with the issues of child custody and visitation. In addition, Attorney Howze is admitted to practice law in Michigan, US District Court, and the US Bankruptcy Court.

11/02/2026

Your hand cramps halfway through the form, stuck on a number you've never once tracked.

That's the Financial Declaration. South Carolina family courts generally require each party to file and serve one in divorce, support, and custody-related cases, using whichever version of the form may apply, and keeping it current through hearings that matter, including contested property hearings.

That declaration isn't paperwork to clear once and forget. Which form applies, and what must be filed or served and when, may depend on your circumstances and any orders in your case.

If you're staring at that form unsure which version applies or what must be filed or served, call us: 803-266-1812. Get the numbers right before a judge is the one asking the questions.

10/30/2026

Your phone buzzes on a Tuesday night. Your ex wants to trade Thanksgiving weeks this year, something about his mother hosting a big dinner. Simple enough. You text back 'sure' and move on with your evening.

What I tell parents who send that quick 'sure' is to slow down for one more message. Ask for the change in plain terms, get the actual dates, and keep the thread. That conversation may be the only record you have if the plan shifts again in December.

A friendly text can shape what happens over break, but it doesn't touch your court order. In South Carolina, parents can agree informally to a different holiday schedule, but that agreement doesn't by itself change the existing order. If plans fall through, the order on file still controls.

If you want a second set of eyes on a holiday schedule change before travel plans lock in, call us: 803-266-1812.

10/26/2026

A coworker tells you flatly: you can't get divorced unless you prove your spouse did something wrong. She heard that from her cousin's divorce years back.

In South Carolina, you can generally seek divorce without pointing fingers, by showing you lived separate and apart, without cohabitation, for one year. Under South Carolina law, the statute also lists fault grounds a spouse may rely on instead: adultery, desertion for one year, and physical cruelty. But proving one isn't required just to end the marriage.

Fault may affect alimony and property division, but courts typically decide custody based on the child's best interests. Choosing no-fault over a fault ground isn't just paperwork. It's a decision that can shape what you walk away with.

Deciding between a no-fault filing and fault grounds? Call us: 803-266-1812.

10/19/2026

Your calendar app sends a notification on the exact day: one year since you moved out.

In South Carolina, a spouse can generally seek a no-fault divorce once the two of you have lived separate and apart, without cohabitation, for a full year. No finger pointing required. No proving who caused the split.

But that one year has to run clean. If you got back together for a weekend, a holiday, or to help while a parent was in the hospital, that time together may affect whether the year counts as continuous. The clock may not simply keep ticking in the background.

If a recent reconciliation attempt has you unsure about your actual separation date, call us: 803-266-1812. That date may affect when you meet the one-year separation requirement for a no-fault divorce.

10/06/2026

You print the certificate from the online credit counseling class and lay it on top of your bankruptcy folder, thinking you're ahead of schedule. Turns out the timing runs the other way.

Before you're even eligible to file Chapter 7, the law requires an approved credit counseling briefing sometime in the 180 days before your petition date. Not the day after you file. Before it. Skip that window and you're not eligible to be a debtor, so the case can't move forward.

The debtor education course is separate, and it comes later, near discharge. Different course, different window. "I'll get to it later" is how people end up pushing their own filing date back.

Call us before you sign up for that first class so we can walk through the timing together: 803-266-1812. Getting the order right keeps the whole case on schedule.

09/30/2026

When you told us your bankruptcy went smooth and that you could trust this firm, that honestly made our day.

We know how much weight you were carrying walking into this process, the paperwork, the 341 meeting, all of it. Hearing that it felt manageable for you means everything, because that's exactly what we want for every client sitting in that room.

Thank you for putting your trust in us and for sharing your experience. It's a reminder of why we do what we do.

If you're facing a similar situation and want to know what to expect, give us a call: 803-266-1812.

09/28/2026

Your phone buzzes at 7 a.m. with a number you don't recognize. It's the finance company—they're sending someone for the car this week.

The moment a Chapter 7 petition gets filed, that repossession has to stop. The same goes for a lawsuit already grinding through court, or a judgment a creditor is trying to collect. Filing creates an automatic stay that hits most collection efforts right away: the calls, the letters, the guy showing up for your car.

It's not absolute. Carve-outs exist for things like support obligations and certain tax actions, but for the everyday repo attempt or collection letter, the stay does real work.

Save our number: 803-266-1812.

09/23/2026

Your neighbor waves from her driveway and asks if you're putting up a for-sale sign before the bank does it for you.

Filing Chapter 7 doesn't automatically put your house on the market. South Carolina requires filers to use the state's own list of exemptions instead of the federal one, and that list includes a homestead exemption built to shield equity in the home you live in. Not the whole value. Just the equity, up to a cap.

What catches people off guard is assuming that cap covers whatever they've built up, no matter the amount. How it applies can shift depending on how the home is titled and who else is on the deed. Getting that number confirmed, before you assume anything, is the part worth doing early.

The earlier in the case, the more options you have. Call us: 803-266-1812.

09/19/2026

You spread six months of pay stubs across the table and then use last month's number, because that's the one that feels real.

The Chapter 7 means test doesn't care what you brought home this week. It looks at your average income across the six months before you filed, a number that includes almost everything you received except things like Social Security. That average gets compared against South Carolina's median for your household size.

This is the step where I see people go sideways. They eyeball one bad month or one good month instead of the real average. Or they land over the median and assume they're done. Not necessarily true. Going over just typically means a longer form comes next, one with deductions built in, not an automatic no.

If you want to know where your actual number lands before you guess, call us: 803-266-1812. That conversation is worth having early.

09/15/2026

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Address

200 Oakland Avenue, Suite A
Rock Hill, SC
29730

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 2pm

Telephone

+18033249009

Website

https://thehowzelawfirmllc.com/?utm_campaign=gmb

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