Chapter 7 Bankruptcy Lawyer in Ridgeland, Mississippi

There are a number of reasons you or your family may choose to declare bankruptcy. At the Mississippi law firm of The Rollins Law Firm, we understand and take into consideration all of your reasons for choosing to pursue bankruptcy. A personal injury, job loss or even the rising cost of living can make it difficult for a person or family to cope financially.

If you have found yourself facing difficult financial times and feel as if you may be at the end of your rope, our experienced bankruptcy lawyers are here for you. Jackson bankruptcy attorneys Thomas C. Rollins Jr. and Jennifer Curry are committed to helping you get back on your feet and back to a stable financial state. When you visit The Rollins Law Firm, you will be greeted with a warm welcome from our devoted staff. Our goal is to make you feel comfortable and listened to during this stressful time in your life. During your consultation with our bankruptcy lawyer, you can count on being heard and embraced with warm communication and straightforward advice. During your initial consultation, a seasoned bankruptcy expert from Mississippi will examine your financial situation and help determine which type of bankruptcy is right for you.

Chapter 7 Payment Plans Available!

The Rollins Law Firm can help eliminate your debt at affordable fees. When you choose to retain our firm and file for Chapter 7 bankruptcy, you can select from our available payment plan options. We don’t cut corners like the bankruptcy mills. We are the only firm offering payment plans for Chapter 7.

Want to get your case filed quickly? You can choose to pay less up front and pay the remaining fees over time.

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Rollins Law Firm Mississippi Bankruptcy Lawyer

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Rollins Law Firm Mississippi Bankruptcy Lawyer

601-202-3942

Chapter 7 vs Chapter 13 Bankruptcy

Chapter 7 Chapter 13
Eliminates most unsecured debt without paying any of it back Creates a payment plan to manage your debt and usually lower your monthly payments
Most people keep their home and car if they can keep the payments up to date Gives you a way to catch up the payments if you are behind on a house or car loan
If you can afford your home or car then you can walk away without owing any money

Stops Foreclosure

Stops Repossession

Stops Garnishments

Cannot usually eliminate student loans, taxes, child support or alimony Gives you better credit after the case is finished
Comparing Chapter 7 versus Chapter 13 Bankruptcy

Chapter 7 Bankruptcy Eligibility in Ridgeland, MS

Chapter 7 allows for any unsecured debts, such as credit card and medical bills, to be discharged at the end of the bankruptcy process. However, before you can declare bankruptcy, you will have to pass the bankruptcy means test to see if you qualify for Chapter 7. There is a certain level of income above which you will not qualify for Chapter 7 but may qualify for Chapter 13. Debtors with primarily business debts always qualify for Chapter 7. Our Ridgeland bankruptcy attorneys can help you determine whether you’re eligible for a Chapter 7 bankruptcy filing.

CHECK YOUR ELIGIBILITY

Discharged Debts in Mississippi Chapter 7 Bankruptcy Cases

A Chapter 7 bankruptcy gives you the opportunity to make a fresh start. It will eliminate unsecured debt, including credit cards and medical bills. Like in a Chapter 13 filing, our Ridgeland bankruptcy attorneys will stop creditor harassment, wage garnishment and most other lawsuits collections or otherwise. Unlike Chapter 13, there is no limitation on the amount of debt a filer may have. Chapter 7 requires no repayment plan and you are no longer responsible for the debt after it is discharged. Also, the discharge of debt is fairly quick.

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