Behind on Bills? Here Is What a Fresh Start Looks Like.
Chapter 7 and Chapter 13 help for the Jackson metro. We show you both paths in plain numbers before you decide.
What Filing Can Change
The day you file, a court order called the automatic stay goes into effect. Here is what that usually means for the calls we get most.
A Garnishment Takes Part of Every Check
A creditor got a judgment, and your employer is holding back pay.
Most Garnishments Stop
The stay stops most garnishments. Child support and alimony are the big exceptions.
A Foreclosure Letter Came
You are months behind and the bank set a sale date.
The Sale Is Paused
Chapter 13 can let you catch up the missed payments over three to five years while you keep paying the normal note.
The Truck You Need for Work Is at Risk
Two notes behind, and the lender is calling about repossession.
Time to Work It Out
The stay stops repossession for now. We look at catching up in Chapter 13 or keeping it in Chapter 7.
Chapter 7 or Chapter 13 Explorer
Six questions. We show which chapter people in your spot usually look at, and why. Nothing you type leaves this page.
People in your spot usually look at
Chapter 7
General information, not legal advice. Using this tool does not form an attorney client relationship. Median figures are the U.S. Trustee numbers for cases filed on or after July 15, 2026, and they change. We check the current ones with you.
No Lectures. Just the Numbers.
Renee Loftin has filed bankruptcy cases in the Southern District of Mississippi for 14 years. Most of her clients got here from a layoff, a divorce or a hospital bill.
Nobody plans to be here. My job is to show you the way out and let you pick it.
- You meet Renee on the first visit, not a salesperson.
- We file both Chapter 7 and Chapter 13, so we have no reason to push one.
- Evening visits on Tuesdays for people who cannot miss work.
Where We Help
Our office is in Fondren. We take cases across Hinds, Madison and Rankin counties and out to Vicksburg.
- Jackson
- Ridgeland
- Madison
- Flowood
- Brandon
- Pearl
- Clinton
- Byram
- Canton
- Raymond
- Vicksburg
Open Monday to Friday 8:30 to 5:30, with Tuesday evening visits. Phone and video meetings for anyone who cannot drive in.
What Clients Say
The garnishment on my check stopped and I could breathe again. Renee never once made me feel ashamed.
Tasha B.Pearl
We thought we would lose the house. She laid out Chapter 13 on one sheet of paper and it finally made sense.
Mike and Donna H.Brandon
Kayla answered every question, even the dumb ones. The whole thing was calmer than I expected.
Andre L.Clinton
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Plain Answers
Will I lose my house or car if I file?
Many people who file keep their home and car. Mississippi exemptions protect a set amount of equity, and Chapter 13 can let you catch up on missed payments. We go over what is at risk before you decide to file.
Does bankruptcy stop wage garnishment?
Filing starts the automatic stay, which stops most garnishments, lawsuits and collection calls. It does not stop child support or alimony collection.
What is the means test?
It is a check on whether your income is low enough for Chapter 7. First we compare your last six months of income to the Mississippi median for your household size. If you are over, we subtract allowed expenses to see what is left.
How much does it cost to file?
Our Chapter 7 fee usually runs $1,100 to $1,500, plus the $338 court filing fee. Chapter 13 has a $313 filing fee, and most of our fee is paid through the plan. We quote your fee in writing on the first visit.
How long does bankruptcy stay on my credit?
A Chapter 7 can stay on your credit report for up to 10 years and a Chapter 13 for up to 7. Many people start rebuilding right away, because their old debts are no longer weighing down the report.
Talk It Through, Free
A 20 minute call. No pressure to file.