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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

Can all assets in a bank account be legally garnished?

An interrupted asset flow is undoubtedly a scary proposition for many Mississippi residents and other persons across the country. Most people focus conscientiously on their jobs and securing the income required to pay back responsibly on their personal debt obligations, and a sudden inability to do so can virtually turn their lives upside down.

Garnishment can especially do that, since it can blindside a consumer by making an unexpected and nasty arrival. That money sent out to cover a rent or mortgage payment is not timely arriving in the creditor’s account, because it has been frozen pursuant to a court order. The same result can attach to a credit card payment, student-loan outlay and a host of other money sought to be applied toward debt repayments.

Understanding consumer bankruptcy options: a primer

People challenged by unsustainable -- and forever growing -- debt obligations know well the feelings of hopelessness that being mired in debt can engender.

Perhaps you are one of those people, whether in Mississippi or elsewhere. You might have already cut costs in every conceivable area of your life. You might have sold possessions. You might be working two jobs. Perhaps you have already tried -- unavailingly -- to work purposefully with your creditors. Maybe some of those people are beginning to harass you at home and at the workplace.

Under that scenario, a bankruptcy filing can logically emerge as a distinct possibility. In fact, there comes a time when it makes eminent sense for some debtors to willingly engage the process by consulting with an experienced debt relief attorney.

What you should know about rebuilding credit after bankruptcy

There are many misconceptions about bankruptcy that can make people in Mississippi feel embarrassed or ashamed if they are in the position of possibly pursuing this option. Some people assume that filing for bankruptcy is the result of irresponsible spending or that it will permanently destroy someone's credit and may therefore try to cover up their financial troubles or ignore them.

But these flawed assumptions can prove to be detrimental. To begin with, there are millions of people who file bankruptcy not because of irresponsible spending, but because of extraordinary expenses like student loans and medical bills. Secondly, while bankruptcy will have a significant impact on a person's credit score, there are ways to repair and rebuild your credit toward a better financial future. In this post, we will look at some of the ways that people can do this.

How to stop creditor harassment

For many people with heavy debt, a major stress in life is creditor harassment. Through phone calls, letters and even interrupting people at work, creditors are often aggressive, sometimes to the point of illegality.

In Mississippi, state laws are somewhat lax in terms of protecting consumers from creditor harassment, but the federal Fair Debt Collection Practices Act (FDCPA), which we've discussed often in previous posts, places important restrictions on creditor actions.

How can you tell if you might need to file for bankruptcy?

Filing for bankruptcy is a profoundly personal choice, and one that often comes after significant reflection and analysis of your finances. If you are considering bankruptcy but are unsure if it’s the right move for you, speaking with an experienced attorney can be a big help.

But what if you’re not ready to take your case to an attorney? Maybe you’re not sure if your financial situation really warrants filing for personal bankruptcy. In today’s post, we’ll discuss some factors that could indicate that you are headed toward bankruptcy. These were first shared on the website DailyFinance.com.

New report on unsecured debt woes: Help is available

It’s really a tale of two countries.

On the one hand, a new report on debt in the United States reveals improved financial circumstances for millions of Americans as the country continues to dig out from its years’-long recession.

On the other hand, newly released data indicate that millions of Americans are also not sharing in that renewed prosperity.

Indeed, new information jointly released by NPR and the nonprofit group ProPublica shows that about one of every 10 working Americans aged 35-44 is presently having his or her wages garnished for nonpayment of a student loan, medical bill or credit card debt.

Government programs seek to stem the tide of foreclosures

In thinking about foreclosure, it's not hard to see the negative consequences that visit multiple parties and can spell anathema for entire communities.

In the most immediate sense, an individual or family is forced out of a home. Children may become dislocated from important bedrock connections, such as lifelong friends, trusted teachers and a secure school and neighborhood environment. Lenders lose money because a property sits unoccupied and does not generate any income stream. The property values of surrounding homeowners suffer. Neighborhood vandalism and other crime can rise in high-foreclosure areas.

FDCPA follow-up: a strong response to unlawful collection tactics

A few posts back (please see our August 6 entry), we discussed federal legislation entitled the Fair Debt Collection Practices Act, which we noted “serves as a strong warning to unethical debt collectors.”

Indeed it does, and for the reasons we stated in that post. As we additionally pointed out therein, a harassed consumer desperately seeking relief from an over-the-top collector can augment the assistance provided for under the FDCPA by securing an experienced debt relief attorney. The federal law contemplates that, with internal references to legal representation and its efficacy in promoting legislative intent under the law.

How a proven attorney can help when foreclosure is a threat

It is likely that many people in Mississippi and elsewhere across the country believe that they must formally file for bankruptcy to protect their home when it is threatened by foreclosure.

Although that view is understandable, it is far from true in all instances, given that there are a number of options that many challenged debtors can consider when they are facing extreme financial hardship.

An established and client-empathetic debt-relief law firm knows those options well and can help a client identify and evaluate what might work best in his or her case.

Mississippi and credit card study: What exactly does it mean?

Mississippi has a prominently high ranking in a recent study focusing upon credit card use, and it’s kind of hard to say anything concrete about what the findings fundamentally mean.

So says a writer for the Jackson Clarion Ledger, who posits a certain ambiguity in the research results compiled on behalf of the national Consumer Financial Protection Bureau.

At the outset, notes Jeff Ayres, some self-congratulatory backslapping and fist pumping by state residents seems duly warranted, given the high mark rendered Mississippi relating to credit card complaints.

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