Traywick's Blog
Practical legal insights, answers to common questions, and guidance from Traywick Law Offices.
"Can I Text You?" Isn't Always Innocent: When Car Dealer Texts Violate the TCPA
A car dealership texted a consumer "May I communicate with you via text?" after he replied STOP. A federal judge refused to throw out his TCPA lawsuit: courts look at a text's purp…
Incomplete Is Not Inaccurate: What a Debt Collector Must (and Must Not) Put on Your Credit Report
You closed your old account, a collector started reporting it, and the tradeline looks nothing like the original — different account number, no payment history, wrong-looking statu…
Can Your HOA Sue the Developer for Construction Defects in South Carolina?
The roofs leak, the roads are crumbling, the drainage does not drain — and the bill to fix it all lands on the HOA. If the developer built your community's common areas wrong, your…
Male Survivors of Sexual Assault in South Carolina: Your Rights
If you are a man who was sexually assaulted, the law is on your side — South Carolina's sexual assault laws are gender-neutral. You have the same rights, the same claims, and the s…
HOA Measuring Your Grass With a Ruler at 2 AM? How to Fight HOA Harassment in South Carolina
A satirical photo of an HOA board member measuring a homeowner's grass with a ruler at 2 AM went viral because every homeowner recognized it. When enforcement becomes harassment, S…
Seller Hid Defects in Your South Carolina Home? Your Rights When the Disclosure Was a Lie
You closed on your South Carolina home, moved in, and then found it: black mold behind the drywall, water pouring in every time it rains, a foundation cracked clean through. The se…
Condo Construction Defects in South Carolina? How HOAs and Homeowners Sue the Developer
When every building in your South Carolina condo development leaks, cracks, or rots the same way, that is not bad luck — it is a construction defect, and it usually traces back to …
Credit Card Delinquency Near Great Recession Levels: What the NY Fed Data Means for South Carolina Consumers
A viral chart shows credit card delinquency near 13% — almost as bad as 2010. The New York Fed confirms the number is real, but its own economists say the headline needs context. H…
Solar Panel Scam in South Carolina? How to Cancel the Contract and Fight Back
A solar salesman knocked on your door, promised free panels or no more electric bills, and had you sign a 25-year loan the same day. In South Carolina, that contract may be cancell…
Workplace Sexual Assault in South Carolina: No Force Required
Nobody has to hit you for it to be sexual assault. In South Carolina, threats, coercion, and a boss's power over your paycheck can be enough. You may have claims against both the p…