{"id":1592,"date":"2020-11-09T09:29:53","date_gmt":"2020-11-09T09:29:53","guid":{"rendered":"https:\/\/www.therollinsfirm.com\/?page_id=1592"},"modified":"2023-07-01T06:26:42","modified_gmt":"2023-07-01T06:26:42","slug":"chapter-13-bankruptcy","status":"publish","type":"page","link":"https:\/\/www.therollinsfirm.com\/chapter-13-bankruptcy\/","title":{"rendered":"Chapter 13 Ridgeland Bankruptcy Lawyer"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:40px;--awb-padding-left:0px;--awb-background-color:rgba(255,255,255,0);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.6\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2 style=\"text-align: left;\"><strong>Jackson Bankruptcy Attorneys for Chapter 13<\/strong><\/h2>\n<\/div><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;--awb-align-self:center;--awb-width:100%;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 1\" data-src=\"https:\/\/www.youtube.com\/embed\/6Az9Ds5hO-g?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; fullscreen\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-text fusion-text-2\"><p>When you are faced with mountains of debt, every day can seem like a struggle. As fees and interest pile up, so do your worries. How will I afford to pay for gas and groceries this week? If the <a href=\"https:\/\/www.therollinsfirm.com\/can-bankruptcy-help-with-a-repossession\/\">bank repossesses my car<\/a>, how will I get to work? If a debt goes unpaid, the creditor can sue you for the money. They can get a judgment that will show up on your credit report if you can&#8217;t work something out. When everything seems to be falling apart, our Jackson bankruptcy lawyer works to help you piece your finances back together.<\/p>\n<p>Our Jackson bankruptcy attorneys serve clients in Jackson and throughout Mississippi. To help you succeed in your <a href=\"\/\">Mississippi bankruptcy filing<\/a>, we provide sensitive counsel and the legal resources you need. We don\u2019t cut corners like some of the bankruptcy mills in town. Lack of preparation, such as incomplete bankruptcy forms, leads to disastrous consequences, which is our Jackson bankruptcy lawyer will first conduct a detailed bankruptcy case review before <a href=\"https:\/\/www.mssb.uscourts.gov\/bankruptcy-basics\/\">filing for bankruptcy at the Mississippi court<\/a>.<\/p>\n<p><a href=\"https:\/\/www.therollinsfirm.com\/jackson-foreclosure-attorney\/\">Is your property being foreclosed<\/a>? Is your car being repossessed? Or are your <a href=\"https:\/\/www.therollinsfirm.com\/how-common-are-problems-with-paying-medical-bills\/\">medical bills piling up<\/a>? If you want to address your financial concern, our Jackson Mississippi bankruptcy attorneys can file your petition quickly. At our Mississippi law firm, our bankruptcy experts pull your credit report to speed up the process of gathering the necessary information. Once you provide all the necessary documents, our <a href=\"https:\/\/www.therollinsfirm.com\/practice-areas\/\">Chapter 7 &amp; 13 bankruptcy lawyers<\/a> will prepare your case quickly.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><h3><strong>No attorney&#8217;s fees upfront<\/strong> <strong>for chapter 13.<\/strong><\/h3>\n<\/div><div class=\"fusion-text fusion-text-4\"><p>We understand that those facing debt are already in a difficult situation. We don&#8217;t add to your burden. That&#8217;s why, when you retain our firm, you only need to pay the court fees upfront. Your attorney\u2019s fees are paid overtime in your <a href=\"https:\/\/www.therollinsfirm.com\/an-overview-of-the-chapter-13-plan\/\">monthly bankruptcy payment<\/a>. If you want to learn more about our affordable payment process, send us a message using the form below.<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">GET MY FREE CONSULTATION!<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div 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required\",\"global\":false,\"global_message\":\"This field is required\"}}}};\n                    <\/script>\n        <\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:40px;--awb-padding-bottom:40px;--awb-background-color:#d3dc65;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#644227;--awb-font-size:46px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:46;line-height:1.5;\"><p style=\"text-align: left;\">Learn more about how filing for bankruptcy can help you.<\/p><\/h3><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-font-size:20px;--awb-text-color:#283031;\"><p style=\"text-align: left;\">Give us a call to schedule your appointment<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% 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fusion-content-layout-column\"><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type freeconsult\" style=\"--button_accent_color:#d3dc65;--button_accent_hover_color:#644227;--button_border_hover_color:#644227;--button_gradient_top_color:#644227;--button_gradient_bottom_color:#644227;--button_gradient_top_color_hover:#d3dc65;--button_gradient_bottom_color_hover:#d3dc65;\" target=\"_self\"><span class=\"fusion-button-text\">GET YOUR FREE CONSULTATION<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:90px;--awb-margin-bottom:80px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:15px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#494c4e;--awb-margin-top:30px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.5;\">Chapter 7 vs Chapter 13 Bankruptcy<\/h4><\/div>\n<div class=\"table-2\">\n<table width=\"100%\">\n<thead>\n<tr>\n<th style=\"text-align: center;\" align=\"left\"><span style=\"color: #644227;\"><strong>Chapter 7<\/strong><\/span><\/th>\n<th style=\"text-align: center;\" align=\"left\"><span style=\"color: #644227;\"><strong>Chapter 13<\/strong><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td align=\"left\">Eliminates most unsecured debt without paying any of it back<\/td>\n<td align=\"left\">Creates a payment plan to manage your debt and usually lower your monthly payments<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Most people keep their home and car if they can keep the payments up to date<\/td>\n<td align=\"left\">Gives you a way to catch up the payments if you are behind on a house or car loan<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">If you can afford your home or car then you can walk away without owing any money<\/td>\n<td align=\"left\">Stops Foreclosure<\/p>\n<p>Stops Repossession<\/p>\n<p>Stops Garnishments<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" align=\"left\">Cannot usually eliminate student loans, taxes, child support or alimony<\/td>\n<td style=\"text-align: center;\" align=\"left\">Gives you better credit after the case is finished<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"600\" height=\"1500\" alt=\"Comparing Chapter 7 versus Chapter 13 Bankruptcy\" title=\"chapter 7 versus chapter 13\" data-src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2021\/02\/chapter-7-versus-chapter-13-e1613473749450.png\" class=\"img-responsive wp-image-3269 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/1500;\" \/><noscript><img decoding=\"async\" width=\"600\" height=\"1500\" alt=\"Comparing Chapter 7 versus Chapter 13 Bankruptcy\" title=\"chapter 7 versus chapter 13\" src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2021\/02\/chapter-7-versus-chapter-13-e1613473749450.png\" class=\"img-responsive wp-image-3269\"\/><\/noscript><\/span><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-background-color:#eaeaea;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:4.8%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row\"><a class=\"awb-lightbox awb-lightbox-1\" href=\"https:\/\/youtu.be\/p9LGmbi_-fI\" data-rel=\"iLightbox\"><img decoding=\"async\" data-src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/Eligibility-in-Chapter-13.png\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 401px; --smush-placeholder-aspect-ratio: 401\/239;\"><noscript><img decoding=\"async\" src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/Eligibility-in-Chapter-13.png\"><\/noscript><\/a><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.2%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#494c4e;--awb-margin-bottom:40px;--awb-sep-color:#494c4e;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.5;\"><strong>Who is Eligible for Chapter 13?<br \/>\n<\/strong>Answers from a Jackson bankruptcy attorney<\/h3><\/div><div class=\"fusion-text fusion-text-6\"><p>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.<\/p>\n<p>If you&#8217;re considering bankruptcy Chapter 13, our <a href=\"\/\">Jackson bankruptcy attorneys<\/a> can help you determine whether you&#8217;re eligible to file for bankruptcy.<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">Check Your Eligibility<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-color:#ffffff;--awb-bg-color-hover:#ffffff;--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.2%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#494c4e;--awb-margin-bottom:40px;--awb-sep-color:#494c4e;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.5;\"><p><strong>What is the Chapter 13 Repayment Plan?<br \/>\n<\/strong>As explained by a Jackson bankruptcy lawyer<strong><br \/>\n<\/strong><\/p><\/h3><\/div><div class=\"fusion-text fusion-text-7\"><p><a href=\"https:\/\/www.therollinsfirm.com\/ridgeland-bankruptcy-lawyer\/\">Chapter 13 Bankruptcy<\/a> is especially beneficial to a person who is behind on their mortgage payment or has other secured debt because a Chapter 13 allows you to pay the arrears or back debt through the Chapter 13 &#8220;plan&#8221; and keep your home.\u00a0The Chapter 13 plan is usually 3 or 5 years. It essentially consolidates the debt into a manageable monthly payment plan. The plan accounts for your living expenses first, and then the plan payment is determined by the amount of your leftover income.<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-4 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">EVALUATE YOUR DEBTS<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:4.8%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row\"><a class=\"awb-lightbox awb-lightbox-2\" href=\"https:\/\/youtu.be\/n8Qx-mvho1g\" data-rel=\"iLightbox\"><img decoding=\"async\" data-src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/Debt-Repayment-plan-in-Chapter-13.png\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 398px; --smush-placeholder-aspect-ratio: 398\/238;\"><noscript><img decoding=\"async\" src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/Debt-Repayment-plan-in-Chapter-13.png\"><\/noscript><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-background-color:#eaeaea;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:4.8%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row\"><a class=\"awb-lightbox awb-lightbox-3\" href=\"https:\/\/youtu.be\/cQCZ6xLEJOY\" data-rel=\"iLightbox\"><img decoding=\"async\" data-src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/stop-home-foreclosure.png\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 398px; --smush-placeholder-aspect-ratio: 398\/238;\"><noscript><img decoding=\"async\" src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2020\/11\/stop-home-foreclosure.png\"><\/noscript><\/a><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.2%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#494c4e;--awb-margin-bottom:40px;--awb-sep-color:#494c4e;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.5;\"><strong>How Can Bankruptcy Help Me Keep My Home?<br \/>\n<\/strong>Our Jackson Chapter 13 attorney explains<\/h3><\/div><div class=\"fusion-text fusion-text-8\"><p>The biggest advantage of filing Chapter 13 is that the debtor usually gets to keep all of their property. Any amount that you are behind on mortgage payments can be paid through the Chapter 13 plan. Depending upon your individual circumstances however, a <a href=\"https:\/\/www.therollinsfirm.com\/chapter-7-bankruptcy\/\">Chapter 7 bankruptcy<\/a> may also be a suitable course of action.<\/p>\n<p>At The Rollins Law Firm, we will work together with you to create a plan that could save your home. This might involve communicating with your lender to lower interest rates or arranging a payment restructure. No matter how complex your case, our <a href=\"https:\/\/www.therollinsfirm.com\/contact-us\/\">Jackson bankruptcy lawyer<\/a> is here to help. <a href=\"\/contact-us\/\">Contact our Mississippi bankruptcy attorney<\/a> today!<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-5 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">Stop Foreclosure<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center fusion-title-highlight fusion-loop-off fusion-highlight-underline_zigzag fusion-title-size-two\" style=\"--awb-text-color:#283031;\" data-highlight=\"underline_zigzag\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:45;line-height:1.5;\"><span class=\"fusion-highlighted-text-prefix\"><\/span> <span class=\"fusion-highlighted-text-wrapper\"><span class=\"fusion-highlighted-text\">With our Jackson attorneys, you are never alone.<\/span><\/span> <span class=\"fusion-highlighted-text-postfix\"><\/span><\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:30px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9\" style=\"--awb-font-size:20px;--awb-text-color:#283031;\"><p style=\"text-align: center;\">Our Jackson Chapter 13 bankruptcy lawyer from the Rollins Law Firm is committed to providing you with quality bankruptcy service. From the moment you walk into our Jackson MS 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.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:10px;width:100%;\"><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-6 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">Schedule a Free Consultation<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-background-color:#eaeaea;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-10\"><h3>How Does the Mississippi Chapter 13 Bankruptcy Work?<\/h3>\n<p>Chapter 13 is more popular in Mississippi than in most states. Chapter 7 is the most popular bankruptcy choice for consumers across the country including in Mississippi. <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">But Mississippi has one of the highest percentages of Chapter 13 cases in the <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">country.<\/span><\/p>\n<p><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">The Rollins Law Firm can provide you with an expert bankruptcy lawyer from Jackson, MS to file Chapter 13 <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">bankruptcy and deal with your difficult times with the best advice!<\/span><\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-7 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">FILE FOR BANKRUPTCY TODAY!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11\"><h3>When Should You File for Chapter 13 Bankruptcy?<\/h3>\n<p>Chapter 7 is more popular because it is very simple, quick, and effective. Also, Chapter 7 can eliminate many types of debt without making any payments. The most important part of a Chapter 7 case is the discharge (elimination) of debt at the end of the case.<\/p>\n<p>Chapter 13, on the other hand, involves a repayment plan to handle your debt. The plan will require you to make a bankruptcy payment for 3 to 5 years. The Chapter 13 plan is best suited to handle the following situations:<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:2px;--awb-icon-size:20px;--awb-content-font-size:18px;--awb-icon-alignment:left;--awb-hover-color:#ffffff;--awb-border-color:#7799ad;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#7799ad;--awb-title-color:#d3dc65;--awb-content-color:#333333;--awb-icon-box-color:#7799ad;--awb-toggle-hover-accent-color:#7abc64;--awb-title-font-family:&quot;PT Sans&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:regular;\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-1592-1\"><div class=\"fusion-panel panel-default panel-83dd247d34d614548 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_83dd247d34d614548\"><a aria-expanded=\"false\" aria-controls=\"83dd247d34d614548\" role=\"button\" data-toggle=\"collapse\" data-target=\"#83dd247d34d614548\" href=\"#83dd247d34d614548\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Catch Up on a House Payment<\/span><\/a><\/h4><\/div><div id=\"83dd247d34d614548\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_83dd247d34d614548\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you are behind on your house payment, you can use the bankruptcy to bring your <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">mortgage up to date. Your regular mortgage payment will be made as part of the bankruptcy <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">plan payment. <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">The arrears will be caught up over the 3-5 years you make plan payments. If you are facing <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">a foreclosure sale date, the bankruptcy will stop the sale so that you can bring your current <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">mortgage into the bankruptcy plan.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-336d7cf71eff4a821 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_336d7cf71eff4a821\"><a aria-expanded=\"false\" aria-controls=\"336d7cf71eff4a821\" role=\"button\" data-toggle=\"collapse\" data-target=\"#336d7cf71eff4a821\" href=\"#336d7cf71eff4a821\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Lower a Car Payment<\/span><\/a><\/h4><\/div><div id=\"336d7cf71eff4a821\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_336d7cf71eff4a821\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Many times, a Chapter 13 can lower a car payment by spreading the payment out over 5 <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">years. It will also lower the interest rate. <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">If you have had your car for over 2.5 years then you may even pay lesser than the amount <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">owed. It does not matter if you are behind on your car payment as long as you pay off the <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">car in bankruptcy.<\/span><\/p>\n<p>Moreover, if a creditor has repossessed your car, Chapter 13 filing may force them to return <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">the car to you as long as you file the case within 10 days of repossession. Note that this does not <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">apply to title loans.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-6d890389a7dbe4ef6 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_6d890389a7dbe4ef6\"><a aria-expanded=\"false\" aria-controls=\"6d890389a7dbe4ef6\" role=\"button\" data-toggle=\"collapse\" data-target=\"#6d890389a7dbe4ef6\" href=\"#6d890389a7dbe4ef6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Pay Off Taxes<\/span><\/a><\/h4><\/div><div id=\"6d890389a7dbe4ef6\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_6d890389a7dbe4ef6\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you owe back taxes then Chapter 13 bankruptcy can provide you with an opportunity to <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">pay the taxes off over a 5-year plan at 0% interest. Even better, the penalties will not be <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">applied once you file the case.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-133915359d6b2ec60 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_133915359d6b2ec60\"><a aria-expanded=\"false\" aria-controls=\"133915359d6b2ec60\" role=\"button\" data-toggle=\"collapse\" data-target=\"#133915359d6b2ec60\" href=\"#133915359d6b2ec60\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Catch Up on Child Support Arrears<\/span><\/a><\/h4><\/div><div id=\"133915359d6b2ec60\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_133915359d6b2ec60\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you are behind on child support, then Chapter 13 can be used to bring your payments <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">current. Here again, you can pay your arrears over 5 years at 0% interest.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4b27e55fa150e6577 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4b27e55fa150e6577\"><a aria-expanded=\"false\" aria-controls=\"4b27e55fa150e6577\" role=\"button\" data-toggle=\"collapse\" data-target=\"#4b27e55fa150e6577\" href=\"#4b27e55fa150e6577\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Provide Relief if You Don't Qualify for Chapter 7 Bankruptcy<\/span><\/a><\/h4><\/div><div id=\"4b27e55fa150e6577\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4b27e55fa150e6577\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Chapter 13 is sometimes the only choice if you don\u2019t qualify for Chapter 7. Some people don\u2019t <a href=\"\/chapter-7-bankruptcy\/bankruptcy-eligibility\/\">qualify for Chapter<\/a> 7 because they earn a high income.<\/span><\/p>\n<p>While Chapter 13 may not be as good of a deal as Chapter 7 in this situation, Chapter 13 is <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">usually better than doing nothing!<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7a5f37ebef1dc4d11 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7a5f37ebef1dc4d11\"><a aria-expanded=\"false\" aria-controls=\"7a5f37ebef1dc4d11\" role=\"button\" data-toggle=\"collapse\" data-target=\"#7a5f37ebef1dc4d11\" href=\"#7a5f37ebef1dc4d11\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Keep Property that You Would Lose in Chapter 7 Bankruptcy<\/span><\/a><\/h4><\/div><div id=\"7a5f37ebef1dc4d11\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7a5f37ebef1dc4d11\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Some people own property that the Chapter 7 trustee would seize if they filed for Chapter 7 <span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">bankruptcy. In this case, Chapter 13 provides a way for you to keep your property while <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">paying back a portion of your debt.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:20PX;width:100%;\"><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-8 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">GET HELP WITH YOUR CHAPTER 13 BANKRUPTCY CASE<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-background-color:#eaeaea;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-image:url(&#039;https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2021\/02\/checklist-box-PTH8EMY-scaled.jpg&#039;);--awb-bg-position:center top;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-empty-column-bg-image fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2021\/02\/checklist-box-PTH8EMY-scaled.jpg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder fusion-no-large-visibility fusion-no-medium-visibility\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272560%27%20height%3D%271709%27%20viewBox%3D%270%200%202560%201709%27%3E%3Crect%20width%3D%272560%27%20height%3D%271709%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:4.32%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-12\"><h3>Who Is Allowed to File Chapter 13 in Mississippi?<\/h3>\n<p>You should meet the below criteria to file Chapter 13 bankruptcy:<\/p>\n<ul>\n<li>You must have regular income and enough income to make the bankruptcy payment.<\/li>\n<li>You must have filed all the tax returns you were required to file for the last 4 years<\/li>\n<li>You cannot have more than $419,175 in unsecured debt<\/li>\n<li>You cannot have more than $1,257,850 in secured debt<\/li>\n<\/ul>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-9 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">CONSULT A BANKRUPTCY ATTORNEY TODAY!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:30px;--awb-padding-bottom-small:30px;--awb-margin-top:30px;--awb-margin-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-13\"><h2 style=\"text-align: center;\">How Does a Chapter 13 Case Work?<\/h2>\n<p>First, a bankruptcy petition is filed to open a bankruptcy case. After the petition is filed the debtor needs to file a plan in 14 days. Usually, most people file the plans at the same time as the petition. The plan must include how long you plan to make payments, how much you believe the payment should be, and it must provide for how your debts will be treated.<\/p>\n<h3>Which Debts Do You Need to Pay?<\/h3>\n<p>You must pay the priority debts in full. These will include taxes, child support and alimony. Additionally, you can either surrender secured debts or pay them in the plan. If you choose to surrender the property, the creditor will be able to take possession of the property. In certain situations, a debtor can pay less than the full amount owed to keep the property.<\/p>\n<p>For home loans, the debtor does not usually have to pay the loan in full. Instead, the debtor can just maintain the ongoing monthly payments while paying the arrears over the term of the plan.<\/p>\n<p>If the mortgage is up to date when the case is filed then it may be possible to pay the debt directly rather than paying it through the trustee.<\/p>\n<p>Besides, you must pay a certain percentage to unsecured debts. This percentage can range from 0% to 100% and is based on several factors. However, majorly it is based on your income and assets.<\/p>\n<p>If you have a high income or low expenses then it is more likely that you will be required to pay a higher percentage to unsecured creditors. Also, if you own a lot of property you might have to pay back more of the unsecured debt.<\/p>\n<p>Many attorneys will file the case without requiring you to pay all of the attorney\u2019s fees upfront. Whatever balance you owe will be paid by the trustee.<\/p>\n<h3>Appointing a Trustee<\/h3>\n<p><b>A Chapter 13 trustee is appointed in every Mississippi Chapter 13 bankruptcy case. The trustee is usually a lawyer. And the trustee\u2019s job is to review your paperwork and make sure your plan complies with the bankruptcy laws.<\/b><\/p>\n<p>You will make your bankruptcy plan payments to the trustee and the trustee will use that money to pay the debts as outlined below. If the trustee does not agree with a part of your plan, they can file an objection. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Common objections include:<\/span><\/p>\n<ul>\n<li>You cannot afford the bankruptcy payment<\/li>\n<li>You can afford to pay more to unsecured creditors<\/li>\n<li>You have not provided treatment in the plan for all of your debts<\/li>\n<li>You have not provided pay stubs, bank statements and tax returns to the trustee for<br \/>\nreview<\/li>\n<\/ul>\n<p>And if the trustee files an objection, it is up to the bankruptcy judge to decide.<\/p>\n<p>T.C. Rollins is a <a href=\"https:\/\/www.therollinsfirm.com\/\">Jackson, MS bankruptcy lawyer<\/a> who also has offices in Hattiesburg and Gulfport, Mississippi. If You&#8217;re considering bankruptcy in Mississippi, call our office to schedule a consultation with us today.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:20PX;width:100%;\"><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-10 fusion-button-default-span fusion-button-default-type freeconsult\" target=\"_self\"><span class=\"fusion-button-text\">SCHEDULE A CONSULTATION WITH US!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/pages\/1592"}],"collection":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/comments?post=1592"}],"version-history":[{"count":4,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/pages\/1592\/revisions"}],"predecessor-version":[{"id":4832,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/pages\/1592\/revisions\/4832"}],"wp:attachment":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/media?parent=1592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}