Mississippi Foreclosure Attorney

Foreclosure is what happens when a homeowner falls behind and fails to pay the mortgage. It is a legal action where the owner loses all rights to their property and home if they cannot pay the outstanding debt. A foreclosure is basically an auction of your home on the courthouse steps. A sale date is set and if the sale is not stopped, then someone will bid on your house and become the new owner of the property. Filing for bankruptcy puts an automatic stay on all foreclosure proceedings. By contacting our bankruptcy attorneys, you can potentially save your home but the bankruptcy case must be filed before the foreclosure sale happens.

Many people have success keeping their homes by filing for Chapter 13 bankruptcy. If you file before the foreclosure sale, we can use your repayment plan as a tool to help you catch up on your delinquent payments. The biggest benefit to filing a chapter 13 is that you will not have to make a lump sum payment to catch up your mortgage. In chapter 13 you are allowed to catch up the mortgage payments over time. As long as you are able to pay your bankruptcy payment plan you would be allowed to keep your home. At the end of the bankruptcy case, you will be up to date on your bankruptcy payments.

If you are unable to afford to keep your home, or if you cannot catch up on your backlog of mortgage payments, filing for Chapter 7 bankruptcy will allow you the time to find another place to live instead of being turned out on the street. It will also allow you to walk away from your mortgage and payments in arrears without fear of the bank coming after you to collect for the money owed.

Rollins Law Firm Mississippi Bankruptcy Lawyer

Ask a question or request a free consultation.

Rollins Law Firm Mississippi Bankruptcy Lawyer

601-202-3942

Stop Home Foreclosure

If you fall too far behind on your mortgage payments, the mortgage company can auction off your house. Having us as your attorney can help you save your home and catch up on your payments without having to pay such a large amount all at once. The most important thing you need to do is file as early as possible to save your home. If you wait until the last minute, we may not have enough time to prepare your case prior to the foreclosure sale.

stop foreclosure through bankruptcy

Once the foreclosure sale happens, a bankruptcy will not help you keep your home. Your lender does not even have to notify you of the foreclosure sale date. They can advertise the sale in the paper for three weeks and then sell your home without your knowledge. The foreclosure sale can be stopped as long as a bankruptcy petition is filed prior to the sale.

It is sometimes impossible to file a bankruptcy case immediately. We need many documents in order to prepare all of the necessary paperwork. If you wait until the last minute to talk to a bankruptcy lawyer, then you risk not having enough time to prepare the necessary paperwork. Call us at 601-202-3942 or send us an e-mail to learn more about our foreclosure and how bankruptcy can prevent foreclosure on your home. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

GET YOUR FREE CONSULTATION

Eligibility in Chapter 7 Bankruptcy

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 a 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 Mississippi bankruptcy attorneys can help you determine whether you’re eligible for a Chapter 7 bankruptcy filing.

CHECK YOUR ELIGIBILITY

Eligibility in Chapter 13 Bankruptcy

A Chapter 13 bankruptcy filing is only available to individuals that have a regular income because the debtor is required to make monthly payments for 3 or 5 years after filing. If a person has too much debt (roughly $900,000 secured or $300,000 unsecured), they may be disqualified from filing and will only be allowed to file Chapter 7 or 11.

If you’re considering bankruptcy Chapter 13, The Rollins Law Firm can help you determine whether you’re eligible to file for bankruptcy.

Check Your Eligibility

With us, you are never alone.

The Rollins Law Firm is committed to providing you with quality bankruptcy service. From the moment you walk into our office, you can rest assured that your needs will be met. We are by your side throughout the bankruptcy process, from filing paperwork to negotiating with creditors.

Schedule a Free Consultation

Learn more about how filing for bankruptcy can help you.

Give us a call to schedule your appointment

GET YOUR FREE CONSULTATION

Testimonials

They are the most respectful people

They are the most respectful people. They are about their business. I couldn’t have chosen a better Law Firm! I would refer them to anyone! Job well done

Beverly Wilson

Fast response and professional advice

Fast response and professional advice. Really great to work with and understand what a difficult time in one’s life this is. Will recommend to anyone

Bryan Aust

I had a wonderful experience

I had a wonderful experience. The staff were nice and very informative. The process was quick and easy. Very affordable for me being a single parent. Would recommend anyone there.

Lashay H

They answered all my questions and didn’t make me feel stupid for asking them

This firm is amazing Mr. Rollins, Alex, Grayson, Jessica, and the whole crew. They answered all my questions and didn’t make me feel stupid for asking them. I met with a couple of attorneys about my situation and none of them came close to being as thorough as Mr. Rollins, save yourself the time and effort, no need to call a thousand attorneys, choose the Rollins law firm and get your financial life back.

Jonathon W

Definitely give this place your business, you wont regret it!

I used this firm in April and was blown away by how simple they helped to make the process for me. Every question I had, no matter how repetitive it was, they answered. I worked with Jessica a lot and she was amazing. Very patient and knowledgeable! If i could give them more stars I would. Definitely give this place your business, you wont regret it!

Natalia Ramsey

Rollins Law Firm has gave me hope during a dark time

I was searching the web for information in on filing bankruptcy and discovered Rollins Law Firm. My situation was so uncertain and overwhelming but after consulting with Grayson, Jennifer, and Alex at Rollins Law Firm has gave me hope during a dark time. I am grateful for the help that I received and recommend Rollins Law Firm to anyone that is having difficulty with debt and don’t know where to start. There is a rainbow at the end of every tunnel. 🌈🌈❤️❤️

Courtney Crawford

Rollins law firm made it easy and less stressful!!!

Some of the nicest people I’ve met. Very patient, kind, and helpful. They helped me through a very difficult situation. Filing bankruptcy is very challenging and the people at Rollins law firm made it easy and less stressful!!! I thank you guys so much for all of your help through this difficult situation!! I will recommend this firm to anyone considering bankruptcy!!

Stephanie Harris

I’m feeling a lot better about my financial future and thankful for all their help.

I went into Mr. Rollins’ law firm not knowing what to expect. After my first meeting with his team, I knew I made the right decision to contact his office. Everyone was knowledgeable and very willing to answer any questions and prompt with their responses. I’m feeling a lot better about my financial future and thankful for all their help.

Dawn Barfield

Rollins Law Firm was there every step and explained it all in a way that was easy to understand

This process is a hard decision to make.  Rollins Law Firm was there every step and explained it all in a way that was easy to understand.  They answered my questions, sent me emails and text messages with information and appointment reminders.  There were some videos and a booklet that was very very informational and helpful to me.

Lauren Primeaux

The Rollins Law Firm has made filing for bankruptcy very easy and understandable for me and my husband

The Rollins Law Firm has made filing for bankruptcy very easy and understandable for me and my husband. We are young and clueless about a lot, so having them walk us through literally everything has been great! The staff is wonderful and very responsive. We have never waited long for a call, text, or email back. We want to thank Breanne, Alex, Grayson, and Mr Rollins himself for such a positive experience. Of course, bankruptcy isn’t a good thing but when it’s your only option, this is the firm you want to use! It’s been affordable and quick. We are super pleased with the experience from the time we first called their office til today after filing with them!

Rebecca Harvey

Relieve your financial worries and get you back on the right track!

My wife and I were in an impossible financial situation where over time, we had built up so much debt that we could no longer keep up with all the payments. We were getting further and further behind until we reached out to the Rollins Law Firm for help. They have the knowledge and expertise through their experience to handle our particular situation. Their entire team of professionals are always available to answer questions, explain your options, and then provide the legal service that you need to relieve your financial worries and get you back on the right track! I recommend the Rollins Law Firm to anyone who needs help to deal with financial struggles.

Mike Zegelien

The Rollins firm went above and beyond helping me

The Rollins firm went above and beyond helping me with my situation during the on going covid 19 crisis.

Owens Booker

They made the process so easy to complete

The Rollins firm assisted me at a very low point in my life. After having a lot of medical issues and expenses, I found myself unable to make ends meet. Mr. Rollings and his staff worked very promptly to help. They made the process so easy to complete.

Vinester Smith

Helped me through a very stressful time.

Helped me through a very stressful time. Mr. Rollins and his staff have been very nice and professional. They are always very quick to respond to any questions I may have. I would recommend Rollins Law Firm to anyone.

Kim Ainsworth