Trusted Bankruptcy Attorney in Hattiesburg, MS

  • Skilled Negotiation to Minimize Costly Mistakes
  • Stop Home Foreclosure
  • Helping Clients Become Debt Free Since 2005

From the vibrant downtown to the growing student population at the University of Southern Mississippi, Hattiesburg, MS, is full of life, culture, and Southern charm. But even in the Hub City, financial hardship can happen to anyone — and that’s where Gadow | Tyler comes in. We’ve been helping Mississippians find lasting debt relief since 2005, and we’re proud to serve residents of Hattiesburg, MS, with trusted legal support for Chapter 7 and Chapter 13 bankruptcy.

 

Get peace of mind with a free consultation. Call us at 601-475-1234.

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 bankruptcy is designed to give you a clean slate by wiping out most unsecured debts like credit cards, medical bills, and personal loans. It’s usually a faster process — often completed within a few months — and is best for people who don’t have a steady income or who don’t own significant property. To qualify, you must pass the means test, which compares your income to the state median.

Chapter 13 bankruptcy, on the other hand, helps you reorganize your debt into a manageable 3- to 5-year repayment plan. It’s ideal for people who have a regular income and want to keep assets like their home or vehicle while catching up on missed payments. This option protects you from foreclosure and garnishment while you work toward financial recovery.

Not sure which chapter is right for you? That’s what we’re here for. We’ll help you figure out the best path forward based on your specific needs and goals.

Signs You May Have a Financial Problem

Not sure if it’s time to talk to a bankruptcy attorney? Many people wait too long, hoping things will get better — but the sooner you take action, the more options you’ll have. Here are some common warning signs that it may be time to consider Chapter 7 or Chapter 13 bankruptcy:

  • You’re only making minimum payments on your credit cards
  • Your phone rings constantly with creditor calls or collection agencies
  • You’ve fallen behind on your mortgage, rent, or car payments
  • You’ve taken out payday loans or borrowed from friends/Family just to get by
  • You’ve maxed out your credit cards and can’t get ahead
  • You’re using new credit to pay off old credit
  • Your wages are being garnished, or you’re facing a lawsuit

 

If one or more of these sounds familiar, it may be time to explore a long-term solution instead of short-term fixes. Bankruptcy isn’t about failure — it’s about protecting your future and taking back control of your finances.


Frequently Asked Questions About Chapter 13 Bankruptcy

If you’re considering bankruptcy, it’s normal to have questions. At Gadow | Tyler, a trusted bankruptcy lawyer in Hattiesburg, MS, we’ve answered some common inquiries to help you better understand the process and how it can work for you.

  • What Does a Bankruptcy Lawyer in Hattiesburg, MS, Do for Me?

    A bankruptcy lawyer in Hattiesburg, MS, guides you through the complex legal process, helping you understand your options and protecting your rights. They develop a repayment plan that fits your budget and represent you in court, ensuring the best outcome for your financial situation. For personalized advice, you can contact us anytime here.

  • Can I Keep My Home if I File for Chapter 13?

    Yes, Chapter 13 bankruptcy often allows you to catch up on missed mortgage payments over time while keeping your home secure. Our bankruptcy attorney in Hattiesburg, MS, will carefully craft a personalized repayment plan designed to protect your property and stop foreclosure.

  • How Long Does the Chapter 13 Process Take?

    Typically, Chapter 13 repayment plans last between 3 and 5 years, depending on your income and the amount of debt you owe. After successfully completing the plan, any remaining qualifying debts may be discharged, providing you with a fresh start financially.

  • Will Filing for Bankruptcy Stop Creditor Harassment?

    Yes. Once your case is filed, an automatic stay immediately stops creditors from calling, sending collection letters, or taking legal action against you. A skilled bankruptcy lawyer in Hattiesburg, MS, will make sure this protection is applied quickly and effectively to give you peace of mind.

How Gadow | Tyler Can Help

We don’t offer one-size-fits-all solutions. Instead, we take time to understand your situation, explain your rights, and help you choose the best path — whether it’s Chapter 7 to eliminate debt quickly or Chapter 13 to create a structured repayment plan.

Here’s what you can expect when working with us:

  • A Free Initial Consultation to Discuss Your Options
  • Honest, Straightforward Answers — No Pressure, No Judgment
  • Decades of Bankruptcy Law Experience Focused 100% on Your Success
  • Direct Access to Your Attorney — Not Just Staff or Assistants
  • A Legal Team That’s With You From Start to Finish

We’ve helped thousands of clients get out of debt and start fresh. You don’t have to figure this out alone — let’s tackle it together.

Not sure where to begin? We’ll walk you through it step by step. Call us at 601-475-1234.