Law Office of Chelsea Bair Minton

(601) 620-4348

Monday - Friday: 9:00 AM - 5:00 PM
Available by Appointment

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Navigating Bankruptcy Law in Hattiesburg, MS

Achieve true financial freedom and start fresh by way of bankruptcy law in Hattiesburg, MS. Our firm is well-versed in bankruptcy law, allowing us to give you comprehensive legal advice. We understand that finding yourself deep in financial trouble is an intimidating realization. That’s why we’re here to help guide you through your available options.

The Law Office of Chelsea Bair Minton has the knowledge and expertise to assist you in understanding the bankruptcy process and how you can climb out of debt. No matter how severe your situation is, we’ll look for the ideal solution to fit your needs. Every client is different and has their own unique set of circumstances. That’s why our bankruptcy lawyers work closely with you to determine the best way to help you.


Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows most people to discharge unsecured debts. These are debts that do not have any collateral listed on the debt (credit card, medical bills, personal loans, etc.). Filing for Chapter 7 places an automatic stay, which prevents creditor harassment, garnishment, foreclosures, and repossessions.

Not everyone is eligible for this form of bankruptcy, however. There are a variety of factors that go into determining eligibility, and not all debts are dischargeable. Our law office will walk you through the process and help you figure out if Chapter 7 is right for you.


Chapter 13 Bankruptcy

On the other hand, Chapter 13 bankruptcy is a considerably longer and more involved process. If you have more secured debts (cars, houses, etc.), this might be a better option for you. When you file, you’ll be given the opportunity to create a plan that can range from 36 months to 60 months, and is administered by a bankruptcy trustee. Additionally, it allows for the consolidation of your debt and a reduction in interest rates. You’ll be able to “cramdown” the value of personal items and automobiles, instead of applying the amount owed.

A bankruptcy lawyer from our firm will work with you to stop foreclosure actions, cure arrearage, and catch up on missed payments throughout the 36-60 month plan. You won’t have to pay the full amount upfront, and instead, you’ll make monthly payments to the trustee’s office, which will then pay your debts for you. Your unsecured creditors receive a percentage of the amount you currently owe based on your income. At the end of the plan, the remaining amount owed becomes dischargeable.


A Dedicated Firm

Bankruptcy law can be a complicated process that nobody should have to face alone. That’s why the Law Office of Chelsea Bair Minton is dedicated to assisting clients in navigating the different options available for bankruptcy. Save yourself the stress, and allow us to help you reach complete financial freedom.

Contact us to schedule a consultation at our bankruptcy law firm. We proudly serve clients in Hattiesburg, Mississippi, and the surrounding areas.