Chapter 13 bankruptcy is one of the most filed chapters and is known as the “wage earner’s plan” bankruptcy.  This chapter of the Bankruptcy Code provides for adjustment of debts of an individual with regular income.

Chapter 13 Bankruptcy Eligibility

To file a chapter 13 bankruptcy, a debtor must have a reliable source of income that the debtor can use to repay all or part of their debts while keep their property.  If a debtor can show regular income, then a proposed repayment plan is calculated with installments to the debtor’s creditors over the course of three (3) to five (5) years unless the court approves a longer period “for cause”. 

If you are considering chapter 13 bankruptcy, you need an experienced bankruptcy attorney to help you understand if you will be eligible and if this chapter is best considering your financial situation. Call us today at (662) 404-8501 or complete our Contact Form to schedule a free consultation.  We are here to help.

What Attorney Fees Are Required To File My Case?

Our attorney fees are income-based and case specific.  We have payment options for debtors who are employed, unemployed or receiving government benefits.  Give us a call for a free consultation to see if you qualify for our no-money down option.

Can You Represent Me?

We represent debtors in Aberdeen and Oxford Courthouses of the Northern District of Mississippi.  This includes the following counties in the white and blue areas:



(Alcorn, Attala, Benton, Calhoun, Chickasaw, Choctaw, Clay, Coahoma, Desoto, Grenada, Itawamba, Lafayette, Lee, Lowndes, Marshall, Monroe, Montgomery, Oktibbeha, Panola, Prentiss, Pontotoc, Quitman, Tate, Tallahatchie, Tippah, Tishomingo, Tunica, Union, Webster, Winston & Yalobusha)