Best Consumer Protection Lawyers in Jackson, MS

When filing for bankruptcy protection, you must include everything that you own (land, home, vehicles, personal property, bank accounts, retirement accounts, etc.) as well as everyone or every entity to whom you owe money. Failing to list all your assets or all your debts can have serious legal ramifications and you should consult with an experienced bankruptcy lawyer to discuss your rights and obligations.

When individuals or couples file for bankruptcy protection, the Bankruptcy Court issues an Order known as the Automatic Stay. The Automatic Stay is a powerful tool for Mississippians that are facing foreclosure, wage garnishment, repossession of vehicles or other property and harassing collection calls from creditors. Most people have heard of a restraining order or have watched a movie or television program where a restraining order was discussed. Unlike a restraining order, where you must go to court and ask a judge for the restraining order to be issued, when you file for bankruptcy protection, the Bankruptcy Court immediately issues the restraining order (known as the automatic stay) which stops debt collections, wage garnishments, repossession efforts and foreclosure proceedings. What chapter of bankruptcy you file is largely dependence upon your own set of facts and circumstances and the different chapters of consumer bankruptcy are discussed below.

Yes. Once the bankruptcy is filed and the automatic stay is in place, we will notify your payroll department and have all garnishments stopped. In most instances, we can also recover any wages garnished from your paycheck in the ninety (90) days prior to filing the bankruptcy.

Yes. Once the bankruptcy is filed, creditors that you list in your bankruptcy paperwork will be notified by the Bankruptcy Court that the automatic stay is in place and to stop all collection efforts against you. Creditors are no longer allowed to contact you. There may be a one-to-two-week period where some creditors continue to call, but once the case is filed, they are required to work directly with our office.

Married couples can decide to file together or individually; however, it is important to have an experience bankruptcy attorney look over your financial situation and determine if a joint filing is better for you and your family. For example, there may be joint debts owed by both spouses that will not be taken care of properly if only one spouse files for bankruptcy.