Bankruptcy Debt Discharge Attorney in Columbus, MS

There are a variety of situations in which you or your family may decide to file for Chapter 7 bankruptcy. At The Rollins Law Firm in Mississippi, we comprehend and take into account all of your reasons for choosing to file for bankruptcy. A physical injury, the loss of a career, or even an increase in the cost of living can make it difficult for an individual or family to make ends meet.

If you are suffering severe financial problems and feel as though you have reached the end of your rope, our skilled bankruptcy attorneys are here to help. The Columbus bankruptcy attorneys Thomas C. Rollins Jr. and Jennifer Curry are committed to assisting you in regaining financial stability.

When you visit The Rollins Law Firm, our devoted staff will meet you with a warm welcome. During this stressful period in your life, our objective is to make you feel at ease and heard. During your initial appointment, a seasoned Mississippi bankruptcy debt discharge specialist will assess your financial position and assist you with your concerns regarding Chapter 7 bankruptcy and its relation to debt discharge.

Call us today to make an appointment for a free consultation.

Why do I need a Debt Discharge Attorney in Columbus, MS.?

A chapter 7 debt discharge attorney is a type of bankruptcy lawyer who represents clients in proceedings related to the elimination of Chapter 7 debt. Individuals who are unable to pay back their debts and have a significant amount of debt that they are unable to pay off might want to think about filing for bankruptcy. Chapter 7 bankruptcy is by far the most prevalent form of insolvency in the United States; however, there are a number of other possibilities to choose from.

An attorney who concentrates their practice on relieving clients of their Chapter 7 debt will work closely with clients to assist them in navigating the process of filing for bankruptcy. It is their responsibility to help people in obtaining debt relief and in guiding them through the many legal steps and procedures in an organized manner as part of their job duties.

What is a Chapter 7 Bankruptcy?

If you file for bankruptcy under Chapter 7, you are required to sell your assets (everything you possess that has worth) in order to pay back your creditors. This type of bankruptcy allows you to discharge all or the majority of your debts . This procedure is referred to as liquidation, and once it is over, any remaining unsecured debt is typically canceled out.

Bear in mind, however, that there are several kinds of debt that are not discharged through Chapter 7 bankruptcy. These include alimony, child support, student loans, certain forms of tax obligation, HOA fees, court fees, and any unsecured debt that you purposefully omitted from your filing.

Do I Have to Sell All My Assets?

When you file for Chapter 7 bankruptcy, the court will require you to sell most of your assets in order to pay off your debts. However, there are some things that the court may exclude from this requirement, depending on where you live. In most cases, you should be able to keep essentials (think your house, car, and retirement accounts). Note, though, that filing for bankruptcy under Chapter 7 won’t halt foreclosure on your property; at best, it will just postpone the process.

Is Bankruptcy My Only Option?

You have the option of reaffirming the debt, which means you recommit to the terms of the loan arrangement and continue making payments in order to maintain any of the items for which you are still responsible for making payments. That additionally indicates that you are still required to make payments on the loan. However, the vast majority of Chapter 7 bankruptcies are cases of “no assets,” meaning the debtor does not have enough valuable things or property to sell.

What is a Chapter 7 Debt Discharge?

If you file for bankruptcy and receive a discharge, certain debts will no longer be your personal responsibility, and your creditors will be prohibited from attempting to collect on those debts. If your case is not thrown out or changed to a different kind of bankruptcy case, there is a good chance that you will be granted a discharge upon completion of the bankruptcy process. After filing for bankruptcy, the discharge of debts typically takes place within a few months of the filing date.

The court may deny your discharge if you:

  1. Fraudulently sold or hid property that should have been part of the bankruptcy estate;
  2. Intentionally failed to list assets;
  3. Failed to follow orders of the bankruptcy court; or
  4. Lied under oath during the bankruptcy.

In addition, the court has the authority to revoke your discharge after it has been granted if it later determines that you obtained it through dishonest means.

In the process of filing for bankruptcy, not all debts are eligible for discharge. For instance, only debts that were incurred prior to the date that the Chapter 7 bankruptcy petition was filed will be discharged; you will still be responsible for any debts that were incurred after the bankruptcy petition was filed.

The Bankruptcy Code of the United States outlines the categories of debt that cannot be eliminated through the bankruptcy process. If your debt does not fall into any of the categories listed above, you will not be able to have it discharged. In addition, even if a debt would typically be dischargeable, it will not be if fraud was committed in relation to the deficit.

Call our Chapter 7 Debt Discharge Attorneys Now!

During any stage of the procedure, you should feel free to get in touch with our office at any time. We are able to walk you through everything in a step-by-step manner expertly. If you are already a customer, that’s fantastic! However, if you are not a customer, that is perfectly OK as well! You can get a free consultation regarding Chapter 7 bankruptcy debt discharge right now.


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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

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

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

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

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

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

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

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

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

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

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

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

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