About the Seminar:
Join Columbia attorney Jane Downey and SC Department of Consumer Affairs Administrator/Consumer Advocate Carri Grube Lybarker for a practical overview of the intersection of consumer protection and bankruptcy law.? Our experienced duo will explore actions that can be taken to avoid bankruptcy such as consumer credit counseling, licensing requirements, its effect on credit reports, and the difference between traditional credit counseling and bankruptcy counseling.? In addition, they discuss debt consolidation, loan modifications, and how bankruptcy can help your client and the ramifications of bankruptcy versus “doing nothing.”

About the Speakers
Jane H. Downey has been certified by the S.C. Supreme Court as a specialist in bankruptcy and debtor/creditor law since 1996. She also is certified by the S.C. Supreme Court as a mediator and arbitrator. The same year the American Board of Certification also certified her as a specialist in business bankruptcy. Jane is a member of the American Bankruptcy Institute. She is also the incorporating attorney, a member of, and is a past president of the S.C. Bankruptcy Law Association.

Her areas of law include:

  • Consumer Bankruptcy
  • Business Bankruptcy
  • Debtor/Creditor Law
  • Loan Modifications
  • Arbitration and Mediation

Jane represents creditors, debtors, and unsecured creditor committees in chapter 7, 9, 11, 12, and 13 business and consumer cases, including bankruptcy litigation. She is on the list of mediators with the U.S. Bankruptcy Court for the District of South Carolina. She assists consumers with loan modifications both in and outside of bankruptcy.

She is one of the five attorneys at Moore Taylor voted by their peers to be recognized as Super Lawyers by the national Super Lawyers magazine. Jane currently serves on the editorial board of South Carolina Lawyer magazine and the South Carolina Bar Pro Bono Committee. She also volunteers her time with the state bar’s Ask-a-Lawyer Program and C.A.R.E. (Credit Abuse Resistance Education). Locally, she is an organizer of Open Streets Columbia through her appointment by the City of Columbia City Council to the Bicycle and Pedestrian Advisory Committee.

She is a frequent speaker on bankruptcy topics, particularly those involving domestic law. Jane is a 1987 graduate of Furman University and a 1990 graduate of the Emory University School of Law.

Carolyn 'Carri' Grube?Lybarker
In October 2011, the Commission on Consumer Affairs announced its unanimous selection of Carri Grube Lybarker as the Administrator of the South Carolina Department of Consumer Affairs. Lybarker had been Acting Administrator of the Department since February 2011. Ms. Lybarker began her career with the agency in June 2004 as a law clerk, later becoming a Staff Attorney assisting in the administration and enforcement of the South Carolina Consumer Protection Code. She was named Acting Director of Public Information in July 2010 then Deputy Director of Public Information, Consumer Services and Education in October 2010. Ms. Lybarker is a graduate of Winthrop University and the University of South Carolina School of Law. She is married to Christopher Lybarker and has a stepdaughter, Madison.

This program qualifies for 1.0?MCLE credit hour.
Note: When submitting your compliance reports to the SC Commission on CLE and Specialization, please use this course code for 2018: 190768ADO