Brookhaven Bankruptcy Attorneys in Mississippi
The mission of The Rollins Law Firm is to help as many people as possible eliminate their debt. Financial stress can make anyone’s life miserable. Especially when debt collectors and banks are ruthless. We have filed thousands of successful bankruptcy cases and given our clients a second chance at life. Our Brookhaven bankruptcy attorney understands that in life, circumstances arise that we cannot avoid – struggling with mounting debt, preventing home foreclosure or stopping wage garnishments. We know how to make it stop because we have done it so many times. Just imagine a life where you have the time and energy to focus on your kids or hobbies. You don’t have to let your debt problems take up so much space in your mind. Bankruptcy can give you a way out. Hire an expert bankruptcy lawyer in Brookhaven, MS and know your bankruptcy options today!
Get a Fresh Start in Brookhaven, Mississippi!
Brookhaven is a city in Lincoln County in Mississippi. It has an estimated population of 12, 226 people. Tourists and residents can visit the Lake Lincoln State Park, Brookhaven City Park, and the Exchange Park while in the city. If history interests you, you can also visit the Military Memorial Museum.
There are plenty of shopping centers to go to in the city such as the Brookway Plaza Shopping Center and the Lincoln Plaza Shopping Center. But for people who are struggling financially, going to these places would be the least of their priorities. Constantly worrying about where to get the money for bills and mortgage can be overwhelming. Our experienced Brookhaven bankruptcy attorneys can give you a fresh start. Call our law firm today to know more about your bankruptcy options.
Bankruptcy Quick Overview
Home Loans
Bankruptcy can help you if you are having trouble with a mortgage. Many people call us to help save their homes.
Chapter 13 bankruptcy can provide a plan for you to keep your house if you are behind on the payments. It puts you on a payment plan to catch up on your house payments. As long as you make your monthly bankruptcy payments, your house is safe from foreclosure.
Sometimes people don’t want to keep their home. It may be because the home has been damaged or it may just be that someone can’t afford the payment anymore.
Chapter 7 provides a way to surrender the house to the mortgage company and walk away from the debt. After filing Chapter 7, you would no longer owe the mortgage.
However, you don’t always have to lose your home in Chapter 7. If you are up to date on your house payment, then it is often possible to continue paying the debt and keep the property after filing a Chapter 7 bankruptcy.
Car Loans
If you are unable to make your car payment on time, it is possible that the lender could repossess the vehicle.
Chapter 13 bankruptcy can stop a car from being repossessed. It reorganizes the debt into a consolidated monthly payment that is usually much lower than what you need to pay outside bankruptcy. You can keep your car as long as you are able to pay your bankruptcy payment on time.
If you do not wish to keep your car, you can walk away from the debt in a Chapter 7 bankruptcy case. It is actually possible to surrender your car and eliminate the debt in Chapter 7.
On the other hand, it is also possible to keep your car in a Chapter 7 case. If you are up to date on the payments and keep making the monthly payments on time, you’ll be able to keep your car.
Taxes
Unfortunately, a bankruptcy Chapter 7 or Chapter 13 will not eliminate taxes, student loans, or child support and alimony. If you file for Chapter 7, you will still owe your taxes after your case is completed, and a Chapter 13 can provide you with a payment plan to pay back your taxes over a period of 3-5 years.
Unsecured debts, on the other hand, can usually be eliminated when you file for bankruptcy Chapter 7 or Chapter 13. Unsecured debts are debts that do not have a collateral. The most common types of unsecured debt include credit card debts, medical debts, payday loans, and loans from finance companies.
Our Brookhaven Bankruptcy Lawyers Can Help
Most attorneys will not handle bankruptcy cases unless they are able to get a lot out of such cases. Jackson, MS lawyers file most bankruptcy cases for people living in Pike, Lincoln, and Copiah counties. If you want to learn more about your bankruptcy options, our consultation usually starts with a phone call. We can evaluate your situation and give you advice either over the phone or in our office. You’ll need to send us some documents prior to filing a bankruptcy case either in person, by mail, email, fax, or text. Once you get us all of the documents we need, we’ll prepare your case and go over your options with you. Once we file a case, your creditors will leave you alone and you will be on the path to financial freedom. The Rollins Law Firm is just a short drive north on Interstate 55 to our Jackson offices.
We have helped many people from Lincoln County get their debt under control. Call us for a free consultation to speak about your bankruptcy options.
Our Brookhaven bankruptcy attorney will help you determine if filing Chapter 7 bankruptcy is the best fit for you. Chapter 7 bankruptcy filers from Brookhaven, Ridgeland, Jackson, and other nearby cities can choose from our affordable payment plans.
By consulting our bankruptcy attorneys in Brookhaven MS, you get strategic counsel, access to legal resources needed to win your case, and no attorney’s fees upfront when you file Chapter 13 bankruptcy.
Once you file for bankruptcy, an automatic stay will put a stop on all communications from creditors. Our Brookhaven bankruptcy lawyers can help you stop creditor harassment by giving you legal assistance throughout the bankruptcy filing process.
Property foreclosures are what happens when Brookhaven homeowners fail to pay the mortgage. Our Brookhaven Mississippi bankruptcy attorneys can help you keep your property from being foreclosed.
When you fail to pay your bills on time, creditors have the right to take up to 25% of your salary to ensure that they get paid. A Brookhaven bankruptcy lawyer will help you understand your rights to get bankruptcy protection.
Seeing your car being dragged away can be very disheartening, especially when you use it on a daily basis. By filing bankruptcy with our Brookhaven bankruptcy attorney, you can prevent car repossessions from happening in your Mississippi home.
About Us
Here at The Rollins Law Firm, it is our aim to provide help for people in Mississippi who are experiencing financial difficulties. Our Brookhaven bankruptcy lawyers understand what debtors have at stake and when they consider bankruptcy.
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