If you are facing financial hardship, it’s important that you understand all the options available to you. You need an attorney that will take the time to understand your situation and has the experience in this area to lay out all the options for you. You also need an attorney that is an experienced litigator – that knows how to take the fight to your mortgage company regarding any banking fraud that may have occurred and protect you from debt collection harassment. The things that may be the most important to you are:
At Coxwell & Associates, we know the ins and outs of the Bankruptcy court system. Our lawyers have over 70 years of combined litigation experience. Financial hardship is no respecter of persons, especially in these economic times. Past clients include doctors, attorneys, nurses, teachers, fireman, police officers, retirees, single parents, couples – all struggling to make ends meet because they have experienced a cut in pay, lost a job, or suffered an illness that has threatened to cost them everything. Every day we help good people through bad times! We will stand as your advocate against creditors that have no mercy or concern for your plight.Overwhelmed? Get your life back!
The purpose of bankruptcy is often described as a path to a “fresh start” for consumers who have become overtaken by debt. This process has been described as a way of ensuring “a new opportunity in life, unhampered by the pressure and discouragement of pre-existing debt.” Bankruptcy can give you the freedom to once again enjoy a productive life.
Bankruptcy is not for everyone, but if you are considering this option, we offer a free consultation to Mississippi residents to ensure that you understand all the options available to you – bankruptcy or otherwise. We specialize in providing personal care to our clients. No two lives or situations are the same. We take the time to understand your issues and ensure that we provide a solution that best suits your need. Should you decide that bankruptcy is right for you, we are fully prepared to take care of this for you. We are conveniently located in the Jackson Metropolitan area.
Consider bankruptcy if you need to:
The consultation is free and we are located in Jackson, Mississippi. Should you decide that bankruptcy is the option that best meets your need, Mr. Coxwell will discuss the costs with you at that time. Based on the complexity of your case, fees for Chapter 7 may vary slightly. Chapter 13 costs are based on the fee set by the court. Our goal is not to convince you that bankruptcy is your only option. We want to understand your needs, explain ALL the options available to you, and help you find the solution that suits you the best. We offer appointments after business hours and on Saturdays.Is it required that my spouse file with me?
No. There is no requirement that stipulates a spouse must file with you. However, during your free consultation, Mr. Coxwell will discuss with you all the options available to you so that you can decide if you should file individually or jointly.Will bankruptcy stop creditors from calling me?
Yes. Once the creditors have been notified, they are not allowed to have any contact with you. If they continue to call after notification that you have filed, we will file suit against the creditor, at no cost to you, to ensure that the calls cease and desist. Once you have filed bankruptcy, you are under the immediate protection of the court.Will my credit be ruined for years to come?
No. As a part of our service to you, we will provide you with detailed instructions on how to get your credit rating restored. Most of our clients have their credit back on track within one year of their discharge.Is filing bankruptcy complicated?
No. For your part, initially we will need you to provide copies of your last two tax returns, pay stubs, and a list or copy of your debts. If you do not have copies of these items, we can tell you how to acquire them or explain what alternative documentation may be adequate. There may be other documents we require, depending on your situation. We have the experience and expertise necessary to successfully handle this process so that you remain stress-free.If I have filed bankruptcy before, could I file again?
Yes, but there is a limit to the number of times you can receive a discharge. The discharge from the court is a statement that the bankruptcy was finalized and your debts cannot be collected by any of your creditors. A Chapter 7 discharge is possible once every eight years and a Chapter 13 discharge once every two years. There are advantages to filing a Chapter 13 even if you are ineligible to receive a discharge. We can help you sort out the various time limits and advantages to each type of bankruptcy.More Questions?
Call us today (601) 948-4450. There is no fee to speak with an attorney. The decision to file for bankruptcy requires careful analysis of your situation. Bankruptcy is not always the solution for every debt problem. You should file for bankruptcy only after determining that it is the best way to deal with your financial situation. There are a number of potential pitfalls and traps in the new law, so it is very important to consult with a knowledgeable bankruptcy attorney. If your case is filed wrong, you could end up losing property that would normally be protected. Your case could also be dismissed and if you have to file a new case you may not be able to get the same protection from your creditors. Contact our bankruptcy attorneys at Coxwell & Associates today to assist you with your bankruptcy claim.