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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

Could credit card debt harm your dating life?

Debt and romance may not, at first glance, seem terribly connected. However, a recent survey by NerdWallet indicates that what a person's debt situation is may very well have impacts on how they do in the dating arena.

In the survey, individuals here in the U.S. were asked whether a potential partner having credit card debt would be a turnoff for them. Forty-nine percent said that it would. Reporting credit card debt as a turnoff was more common among women than men and more common among seniors than millennials. 

Does Mississippi have a student debt forgiveness program?

Having a high amount of student debt can pose a wide range of challenges to college graduates as they are trying to adjust to post-college life. Thus, when a college graduate is under a mountain of debt, they may wonder if there is any way to get their student debt load reduced or eliminated through debt forgiveness.

A vast majority of states have student debt forgiveness programs. However, generally, these programs are limited to graduates in certain professions. Also, these programs often have a wide range of other strict eligibility requirements and limits on how much relief a person can receive through them.

How common are problems with paying medical bills?

Struggling with medical bills is no uncommon thing. This is underscored by a recent survey. In the survey, individuals were asked various questions regarding medical bills.

The survey found that individuals without insurance had a particularly high likelihood of experiencing difficulties in paying medical bills. Over half (53 percent) of the survey respondents without insurance reported experiencing such difficulties in the past year.

Time matters when facing serious debt collection tactics

When struggling financially, a person could end up facing some very serious debt collection actions, such as vehicle repossession. When these sorts of collection actions have been taken against them, a person may be shocked and deeply worried about how their life will be impacted by the actions.

In such a troubling situation, one thing it can be very important for a person to avoid is delaying looking into their options. This is because what options they have for responding to the action can be very time-dependent.

Many not prioritizing finances when it comes to New Year's resolutions

As we mentioned in our last post, as the year gets off to a start, one type of New Year's resolution a person may want to consider making is one related to finances. Building strong financial habits can be incredibly important to a person's overall financial well-being. Failing to have such habits could lead the way to significant financial problems. 

However, a recent survey indicates that finances lack the popularity of some other topics when it comes to New Year's resolutions. In the survey, individuals in the U.S. were asked what New Year's resolutions they would be making for 2016. The respondents were given six resolution options (they also could choose "none of the above"). Two of the six options had to do with finances. These two options were pay down debt and save more, spend less. The remaining four options regarded weight loss, spending more time with friends/family, healthy living and enjoying life to the fullest.

Apps that help you focus on your financial health in 2016

As one year ends and a new one begins, people start thinking about what they can do to make the next year better. Yes, we are talking about New Year’s resolutions. They are those promises you make to lose weight, reduce stress or strengthen your relationship.

If you are still trying to decide what you should do or give up in 2016, consider giving your financial health the attention it deserves. New Year’s resolutions are not always easy to keep, but, like most things today, “there’s an app for that.”

Hardship discharges in Chapter 13 bankruptcies

Discharge of debt is not limited to Chapter 7 bankruptcy. Debt discharges can also occur in Chapter 13 bankruptcy.

In Chapter 13 bankruptcy, a debt repayment plan is formed for the debtor to follow. Generally, when the repayment plan that was agreed on is successfully completed by the debtor, certain remaining debts can be discharged.

Monthly used-car loan payments high in Mississippi

When a person has auto debt, the amount of their monthly payments can have big impacts on their financial life. It can impact how able their monthly budget is to adjust to sudden changed circumstances and how vulnerable they are to falling behind on their bills and debt payments.

A recent NerdWallet report indicates that Mississippians have particularly high monthly auto loan payments for used cars. In the report, 46 states (all states except Wyoming, Rhode Island, Oklahoma and Delaware) were compared in various statistical categories involving used-vehicle auto loans.

Tuition increases planned for Mississippi's public universities

Higher education can be expensive. It may soon be getting more so at Mississippi's public universities.

Tuition increases for 2016 are planned for all eight of these universities. The increases have been preliminary approved by the College Board and will go to a final vote this month. The increases would take effect in 2016's fall. The increases would raise in-state tuition at the universities an average of 4.1 percent, with the specific amount of the increase varying between the different schools. These increases would raise the average two-semester cost (tuition and fees) of attending a public university in Mississippi above $7,000.

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.


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
Map & Directions

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
Map & Directions

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