Bankruptcy

Bankruptcy Lawyers in Biloxi, Mississippi

Guiding You Through Chapter 7, 11, 12, & 13 Bankruptcies
Free Consultations to Help You Start Fresh

Dealing with overwhelming financial debt can be one of life’s most stressful challenges. Many people feel alone, uncertain, and unsure of where to turn. At Davis & Davis, PLLC, we want you to know that you’re not alone, and you have options. With over 20 years of experience helping individuals and families across the Mississippi Gulf Coast, our dedicated bankruptcy attorneys provide personalized, compassionate guidance to help you achieve financial relief.

Whether you’re considering Chapter 7, 11, 12, or 13 bankruptcy, we’ll explain your options, evaluate your situation, and create a plan that works for you. Let us help you take the first step toward a brighter, debt-free future. Contact our Biloxi bankruptcy lawyers today for a free consultation. Call (228) 275-9922 or reach out online to get started.

Contact our Biloxi bankruptcy lawyers today for a free consultation. Call (228) 275-9922 or reach out online to get started.

Is Bankruptcy the Right Choice for You?

Bankruptcy is often misunderstood and can feel intimidating, but it is a powerful legal tool designed to help individuals, families, and businesses regain financial stability. Filing for bankruptcy isn’t about giving up—it’s about taking control of your financial future.

Here’s how filing for bankruptcy can help you:

• Reduce or Eliminate Debts: Bankruptcy can erase certain debts, including medical bills and credit card balances, giving you a clean slate.
• Reorganize Debt into Manageable Payments: If paying off your debts in full isn’t possible, you may qualify to reorganize them into a repayment plan with lower payments and interest rates.
• Stop Creditor Harassment: Once you file, creditor calls, letters, and wage garnishments must stop immediately.
• Protect Your Assets: We’ll work with you to protect your home, car, or other valuable assets under Mississippi bankruptcy exemptions. Our real estate lawyer, Christopher Davis, can assist you in preserving your assets.
• Regain Financial Control: Filing for bankruptcy gives you the opportunity to rebuild your finances, create a workable budget, and start fresh.

If you’re overwhelmed by debt, our experienced team will help you navigate your options and provide the legal support you need.

The Automatic Stay: Relief from Creditor Actions

Filing for bankruptcy triggers an automatic stay, which provides immediate relief from creditor actions, including:

• Wage garnishments
• Foreclosure proceedings

Collection calls and lawsuits
This legal protection gives you the breathing room to create a plan without harassment from creditors.

Understanding Your Bankruptcy Options

Not all bankruptcies are the same. Each chapter of bankruptcy offers unique benefits depending on your financial situation. Here’s a quick overview of the most common types:

Chapter 7: Liquidation Bankruptcy

The most common type of bankruptcy for individuals, Chapter 7 allows you to discharge most debts, such as credit card balances and medical bills. If you’re struggling to pay your debts and qualify based on income, Chapter 7 can offer a fresh start.

• What to Know: A trustee may sell some of your assets to repay creditors, but many essentials, like your home or car, can often be protected.

Chapter 11: Reorganization for Businesses or High-Income Individuals

Chapter 11 is designed for businesses or individuals with significant assets and debts. It allows for debt reorganization while keeping operations running.

• What to Know: This option requires approval from both the court and creditors.

Chapter 12: Debt Relief for Farmers and Fishermen

For family farmers or fishermen, Chapter 12 offers a way to reorganize debts while continuing operations.

• What to Know: It includes higher debt limits than Chapter 13, making it a tailored solution for agricultural professionals.

Chapter 13: Repayment Plan Bankruptcy

Chapter 13 helps individuals reorganize their debts into a manageable payment plan over three to five years. Unlike Chapter 7, debts aren’t discharged but are paid off gradually.

• What to Know: This option is ideal if you have a steady income and want to avoid foreclosure or repossession.

Why Hire Davis & Davis?

Bankruptcy law can be complex and overwhelming. Our experienced attorneys will guide you through the process, ensuring every form is filed correctly and every deadline is met. Here’s how we’ll help:

• Evaluate Your Options: We’ll assess your financial goals and recommend the best chapter of bankruptcy for your situation.
• Handle the Paperwork: Filing for bankruptcy involves legal documents, asset valuations, and financial disclosures. We’ll manage every detail for you.
• Represent You in Court: From hearings to creditor negotiations, we’ll stand by your side every step of the way.

With Davis & Davis, you’ll never face the process alone.

Don’t Wait to Seek Relief—Call Us Today

If you’re ready to take the first step toward financial freedom, our Gulf Coast bankruptcy attorneys are here to help. We’re proud to serve clients in Biloxi and throughout the surrounding areas.

Call Davis & Davis, PLLC, today at (228) 275-9922 or contact us online for your free consultation.