Are you overwhelmed with debt and considering bankruptcy in Mississippi? Before turning to a debt relief company, understand the legal risks. At Davis & Davis, PLLC, we’ve helped many Mississippians recover after misleading services failed to protect their rights. Filing for bankruptcy is a complex legal process—not just paperwork—and only a skilled attorney can help you safeguard your assets and avoid costly mistakes.
This guide explains why working with a licensed Mississippi bankruptcy lawyer gives you real protection under federal law—and how Davis & Davis, PLLC can help you get the fresh start you deserve.
When you're facing financial stress, it’s tempting to turn to any company promising fast solutions. But not all help is created equal. Here’s what you need to know:
A bankruptcy lawyer:
A debt relief company:
According to the Federal Trade Commission, many debt relief companies charge high fees and make false promises—leaving consumers with more debt, damaged credit, and no real results.
Technically, yes. But it’s risky.
The U.S. Courts allow individuals to file “pro se,” or without an attorney—but they don’t recommend it. As the official Bankruptcy Basics guide explains:
“It is extremely difficult to file a bankruptcy case successfully without an attorney.” – U.S. Courts
Why? Because bankruptcy involves:
Bankruptcy filers must attend a Section 341 Meeting of Creditors—now held via Zoom under federal guidance. While convenient, these meetings still require strict compliance.
One error—such as claiming the wrong exemption—could cost you your home, tax refund, or car. Worse, a dismissed case can delay or even eliminate your ability to get protection from creditors.
Some are—but they are heavily restricted.
Under federal law, non-attorneys can act as bankruptcy petition preparers, but they are prohibited from:
According to the U.S. Trustee Program, non‑ attorneys “bankruptcy petition preparers” may only type bankruptcy documents — they are legally prohibited from giving legal advice, choosing exemptions, or representing you in court.
In Mississippi, bankruptcy cases are governed by both federal statutes and district-specific local rules. Non-attorney services simply cannot navigate these complexities.
We’ve seen clients come to Davis & Davis after trying to go it alone or using out-of-state petition preparers. Here are common mistakes that can cost you dearly:
The Mississippi Bar also notes that bankruptcy filings carry long-term credit consequences, which can impact your ability to get loans or housing after your case is closed.
From our Biloxi office, Davis & Davis, PLLC has helped Mississippi families regain control through Chapter 7 and Chapter 13 bankruptcy.
We provide:
We understand the pressure you’re under—and we meet it with compassion and aggressive advocacy. We also offer payment plans on bankruptcy cases and provide home or hospital visits when needed.
Explore our full Bankruptcy Practice Area to see how we’ve helped clients like you.
A bankruptcy lawyer is licensed to provide legal advice, represent you in court, and file your case—debt relief companies cannot.
Yes, but it's risky. Filing without a lawyer often leads to errors, delays, or dismissal.
Only as petition preparers—and they are not allowed to provide legal advice or representation.
Mistakes in forms, exemptions, or timing can result in loss of assets, fraud allegations, or dismissal.
We provide legal guidance, court representation, form preparation, and asset protection—so you can move forward with confidence.
Real Legal Help Starts Here
Filing for bankruptcy is not just paperwork—it’s a legal process that affects your home, credit, wages, and future. Don’t trust your future to someone without legal authority.
Davis & Davis, PLLC offers:
Drowning in debt is overwhelming—but making the wrong move, like trusting a debt relief company instead of a qualified attorney, can make things worse. With trusted legal guidance, you can protect your assets and pursue a real financial reset.
At Davis & Davis, PLLC, we’ve helped individuals and families across Mississippi take control of their debt and get the relief they’re legally entitled to through Chapter 7 or Chapter 13 bankruptcy.Contact Davis & Davis, PLLC today at (228) 275-9922 for a FREE Bankruptcy Consultation, and take the first step toward clarity, protection, and a genuine financial fresh start.
