Get a Fresh Start With a Chapter 7 Bankruptcy Attorney in Jackson, MS

  • Free Initial Consultation (In-Person or Virtual)
  • 20+ Years of Specialized Bankruptcy Experience
  • Skilled Negotiation to Minimize Costly Mistakes

Living with overwhelming debt can feel like you’re stuck with no way out. You’re not alone—many people are facing the same financial stress. Whether it’s credit cards, medical bills, or personal loans piling up, it’s easy to feel hopeless.

 

At Gadow | Tyler, we help you press reset. We have 3 locations in Jackson, MS, Hattiesburg, MS, and Gulfport, MS. With over 20 years of experience, we’ve guided thousands of Mississippi residents through Chapter 7 bankruptcy, giving them a fresh start—and peace of mind.

 

Confused about bankruptcy? Let’s walk you through it. Call us at 601-355-0654.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is often called “liquidation bankruptcy,” and it’s one of the fastest ways to get rid of unsecured debts. It allows you to wipe out most or all of your eligible debts so you can start fresh without the constant burden of bills you can’t pay.


Unlike Chapter 13, there’s no repayment plan. Instead, non-exempt assets (if any) may be sold to pay off creditors. In most cases, clients can keep everything they own thanks to exemptions allowed under Mississippi and federal law.

The Chapter 7 Bankruptcy Process

Here’s how we make it easy:

  1. Free Consultation—Sit down with us to go over your financial situation. We’ll help you understand your options.
  2. Document Gathering—You provide us with details on your income, debts, expenses, and assets.
  3. Means Test—We submit the documents to determine whether you qualify for Chapter 7 based on your income, household size, and allowable expenses.
  4. Filing the Petition—We prepare and file all required paperwork with the court.
  5. Meeting of Creditors—You’ll attend a brief meeting with a trustee (we’ll prep you thoroughly).
  6. Discharge of Debts—In about 4 to 6 months, most unsecured debts are wiped out.

What Debts Can Be Discharged in Chapter 7?

Dischargeable Debts

  • Credit Card Balances
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Some Older Tax Debts

Non-Dischargeable Debts

  • Most Student Loans
  • Most Taxes
  • Domestic Support and Property Settlement Obligations
  • Most Fines, Penalties, Forfeitures, and Criminal Restitution Obligations
  • Certain Debts That Are Not Listed in Your Bankruptcy Papers

We’ll go over each of your debts and explain what can and can’t be erased through Chapter 7.

How Long Does Chapter 7 Bankruptcy Take?

In most cases, Chapter 7 takes around 4 to 6 months from the time we file. You’ll be protected from collection efforts immediately and can usually begin rebuilding your credit soon after discharge.


What If I Don’t Qualify for Chapter 7?

Not everyone qualifies for Chapter 7. If your income is too high, if you fail the “means test,” or if you’ve already filed for Chapter 7 in the past, you may be ineligible. Chapter 7 can only be filed once every 8 years from the date of your previous filing. But don’t worry—we have other options.

 

We’ll walk you through Chapter 13 bankruptcy, which lets you create an affordable repayment plan over time while keeping your assets. We’ll explain both options during your free consultation so you can make the best choice for your situation.

Chapter 13 Bankruptcy

How Gadow | Tyler Can Help

We don’t just file paperwork—we walk you through the process, explain your rights in plain language, and protect you from creditor harassment the moment your case is filed.

 

  • Free Initial Consultation to See if Chapter 7 Is Right for You
  • Clear Answers About What Debts Can Be Discharged
  • Guidance on Exemptions and What Assets You Can Keep
  • Full Legal Support From Start to Finish

Take the first step toward debt freedom. Call us at 601-355-0654 for a free consultation