Bankruptcy Attorney in Hattiesburg, MS

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.



If overwhelming debt is affecting your daily life in Hattiesburg, MS, our team at Gadow   Tyler is here to help. As dedicated bankruptcy attorneys serving Hattiesburg, MS, and all of Forrest County, we offer honest, judgment-free legal guidance to families, workers, and individuals throughout the Pine Belt region. Call us today at (601) 475-1234 for a free consultation, and take the first step toward financial relief.

Chapter 7 vs. Chapter 13 Bankruptcy for Hattiesburg Residents

Choosing the right chapter matters, and your income, assets, and goals will largely guide that decision.



Chapter 7 is often the faster route, typically completed within a few months. It may eliminate most unsecured debts, including credit cards, medical bills, and personal loans. It tends to work well for those who do not have a steady income or do not own significant assets above Mississippi's exemption limits.


Chapter 13 allows you to reorganize debt into a structured repayment plan spanning 3 to 5 years. It may be the better fit if you want to catch up on missed mortgage payments, protect your vehicle, or keep property that would otherwise be non-exempt. Hattiesburg homeowners facing foreclosure often find Chapter 13 can give them the time they need to get back on track.

Mississippi is an opt-out state for federal bankruptcy exemptions, which means state exemptions apply exclusively. Under Mississippi law, you may be able to protect up to $75,000 in home equity through the homestead exemption, and up to $10,000 in personal property including your vehicle. Retirement accounts are generally protected as well. As your bankruptcy attorney, we can help you understand exactly which protections apply to your situation before you file.


Cases filed by Hattiesburg residents in Forrest County are handled through the Southern District of Mississippi federal bankruptcy court. We know this court's local procedures well, and we are ready to guide you through each step.

What Happens to Creditor Calls After I File?

Filing for bankruptcy triggers an automatic stay. Creditor calls stop.



The moment your case is filed, the automatic stay goes into effect. This federal protection requires creditors to immediately stop collection calls, letters, lawsuits, wage garnishments, and foreclosure actions. For many of our Hattiesburg clients, this relief alone can feel life-changing. We work to get your case filed promptly so this protection applies as quickly as possible.


How We Work With Hattiesburg Clients

Here is what you can generally expect when you work with our team:

  1. Free initial consultation to review your debt, income, and goals.
  2. Honest explanation of your options, including Chapter 7 and Chapter 13.
  3. Preparation and filing of all required documentation with the court.
  4. Immediate automatic stay protection once your case is filed.
  5. Ongoing support through hearings, trustee meetings, and discharge.


You speak directly with a bankruptcy attorney, not just a staff member, throughout this process. We have been helping Mississippi consumers find debt relief since 2005, and our Hattiesburg office at 607 Corinne St., Suite B-6, Hattiesburg, MS 39401, is open Monday through Friday, 8 a.m. to 5 p.m.

Frequently Asked Questions About Bankruptcy in Hattiesburg

  • Will I Lose My Home if I File for Bankruptcy?

    Not necessarily. Mississippi's homestead exemption may protect up to $75,000 in equity in your primary residence. Chapter 13 may also allow you to catch up on overdue mortgage payments over time while keeping your home.

  • Can a Bankruptcy Lawyer Help Me Keep My Car?

    In many cases, yes. Mississippi's personal property exemption may cover up to $10,000 in vehicle equity. Our team will review your specific situation and help you understand your options before you make any decisions.

Talk to a Hattiesburg Bankruptcy Attorney Today

Debt doesn't have to define your future. Having a bankruptcy attorney review your finances costs you nothing upfront, and it could open the door to a genuine fresh start. We serve clients throughout Hattiesburg, Petal, Sumrall, Purvis, and the surrounding Forrest County communities.


Check our Google Business Profile to read what past clients have shared about working with our team. Then call us at (601) 475-1234 or contact us online to schedule your free, no-pressure consultation. At Gadow   Tyler, we are ready when you are.