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In life, circumstances arise that we cannot avoid - struggling with a mounting debt, stopping a foreclosure or garnishment, problems with your marriage or battle over child custody, support or visitation. These situations can have a profound effect on our lives. During these difficult times, you need someone by your side who can care effectively for your legal needs as well as providing you with personal service to best provide support for you during these incredibly personal and private crises.

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Ridgeland Bankruptcy Law Blog

Car sales, car prices and car loan totals all on the rise

It appears that one spending decision many Americans are making this year is the decision to buy a new car. New car sales are up in 2015. Specifically, they are estimated to have increased by almost 6 percent.

At the same time the U.S. is seeing this increase in new motor vehicle sales, it is also seeing a rise in automobile prices. Given these twin increases, it comes as little surprise that auto loan totals in the U.S. are up this year; there has been an 11 percent increase in the total amount of car loan debt held by consumers. This increase has put this total at a historically high level. Specifically, the auto debt total has crossed a threshold it never has before, the $1 trillion threshold.

Be money-smart about your holiday gift-giving

For many people, one of the things near the top of their holiday season to-do list is buying presents for their family, friends and significant other.

Sometimes, people end up spending quite a bit in the effort to find the right gifts for their loved ones. For example, in a recent survey of U.S. consumers, the average amount respondents indicated they intend to spend this holiday season for gifts for their significant other is $338.

Analysis: many Mississippians don’t have health insurance

Sometimes, a medical condition will cause a person to incur a very high amount of out-of-pocket medical expenses. One financial problem such a person could potentially run into is having more medical bills than they can handle.

When a person falls behind on their medical bills, they may be very worried about what long-term effects this debt problem will have on them. What effects a medical debt problem will ultimately have often considerably depends on how a person responds to it. Debt relief options, such as bankruptcy, may provide individuals facing medical debt problems with routes to address the problems in a way that will help preserve their financial future. Seeking out a bankruptcy attorney's advice can help shed some light on what particular options are available given one's specific circumstances.

Many different credit card debt repayment paths exist

When it comes to credit card debt, one thing that can be very important is finding the right way to pay off the debt. There is not just one credit card debt payment strategy out there. Rather, there are a myriad of different ways to direct one’s focus when it comes to paying off such debt.

Mississippi’s financial well-being score lowest in the U.S.

How are Mississippians, generally, doing financially? A recent set of rankings indicates that the average Mississippi resident may be in a more financially challenging position than the average resident of other states.

The rankings are financial well-being rankings from Gallup and Healthways. The rankings compared the states on financial well-being score. This score is based on the responses in a 2014 survey taken of over 175,000 American adults. Among the things respondents were asked about in the survey were whether they worry about money, how they feel about their standard of living, how able they were to afford the things they wanted to do, how able they were to afford health care and how able they were to afford food.

Debt consolidation not something to jump into without thought

The bankruptcy process can sometimes help an individual resolve their debt problems so they can successfully move on with their financial life. However, filing for bankruptcy can have a lot of other impacts related to it and is certainly not without its complexities.

Thus, some might see bankruptcy as a rather intimidating debt relief option. Feeling such intimidation can trigger a strong desire to pursue non-bankruptcy options. One such option is debt consolidation.

Many may be feeling desperate over their student debt

There are all sorts of things having high debt can cause a person to feel. One is desperation. A recent survey indicates that desperation is something that many individuals may feel in connection to their student debt load.

In the survey, 200 users of MyBankTracker, a personal finance site, were asked some yes or no questions regarding what they would be willing to do to have their student debt paid off in entirety. The average student debt load of the respondents was $34,500. The median age of the respondents was 32.

How are millennials doing when it comes to credit score?

Your credit score is a very impactful number. It can affect your financial life and everyday life in many ways, as it can influence what sorts of opportunities will be available to you.

Thus, having a low credit score can be very problematic. Given this, some recent statistics regarding the credit scores of individuals in the millennial generation could potentially be a source of worry. The statistics indicate that millennials tend to not have as high of credit scores as individuals coming from other generations.

Dealing with aggressive debt collectors and creditors

One of the difficult things that debt problems can expose a person to is dealing with aggressive creditors and debt collectors. It is important to not underestimate the toll such dealings can take on a person. 

There are a wide range of methods and tactics creditors and debt collectors use when trying to collect on a debt. Sometimes, creditors and debt collectors cross the line and engage in harassing conduct towards individuals who owe money on a debt.

Student debt causing many millennials to delay big life events

Not only can debt troubles have major financial implications for a person, they can also impact some very fundamental aspects of a person's life. For example, when a person has high debt, the debt and issues related to it may factor into major life decisions they make. A recent Bankrate survey indicates that many millennials are deciding to hold off on major life events due to their student debt.

In the survey, individuals from various age groups were asked whether their student debt payments had caused them to put off a significant life event. Of the surveyed individuals in the 18-to-35 age group, over half, around 56 percent, said they had delayed such an event over student loans.


Multiple Locations To Serve You Better

Ridgeland Office
774 Avery Boulevard North, Suite B
Ridgeland, MS 39157

Toll Free: 800-395-5645
Phone: 601-500-7122
Fax: 601-500-5296
Ridgeland Law Office Map

Hattiesburg Office
307 W Pine St
Hattiesburg, MS 39401

Toll Free: 800-395-5645
Phone: 601-500-7122
Fax: 601-500-5296
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Vicksburg Office
913 Crawford St
Vicksburg, MS 39180

Toll Free: 800-395-5645
Phone: 601-500-7122
Fax: 601-500-5296
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Meridian Office
2121 5th Street, Suite 304G
Meridian, MS 39301

Toll Free: 800-395-5645
Phone: 228-241-1066
Fax: 601-500-5296
Meridian Law Office Map

Gulfport Office
1323 28th Avenue
Gulfport, MS 39501

Toll Free: 800-395-5645
Phone: 228-241-1066
Fax: 601-500-5296
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Jackson Office
736 South President Street, Suite 201
Jackson, MS 39201

Toll Free: 800-395-5645
Phone: 228-241-1066
Fax: 601-500-5296
Map & Directions