Get Expert Help From a Chapter 13 Bankruptcy Attorney in Jackson, MS

  • Helping Clients Become Debt Free Since 2005 
  • Stop Harassing Bill Collectors
  • Asset Protection and Exemption Knowledge

Living paycheck to paycheck is stressful enough. But when you’re also behind on your mortgage, car loan, or taxes, the pressure can feel unbearable. If you're worried about losing your home or vehicle, Chapter 13 bankruptcy could be the solution you've been searching for.

 

At Gadow | Tyler, we’ve been helping Mississippi residents rebuild their finances since 2005. We have 3 locations in Jackson, MS, Hattiesburg, MS, and Gulfport, MS. With more than 20 years of experience, we guide you through the process from start to finish—and help you protect what matters most.

 

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

What Is Chapter 13 Bankruptcy?

Chapter 13 is often called the “wage earner’s plan” because it lets you catch up on past-due payments while keeping your property. Instead of wiping out your debts like Chapter 7, Chapter 13 sets up a 3–5-year payment plan based on your income and what you can afford.


It’s a great option if:

  • You’ve Fallen Behind on Mortgage or Car Payments
  • You Don’t Qualify for Chapter 7
  • You Want to Stop Foreclosure or Repossession

The Chapter 13 Bankruptcy Process

Here’s how it works:

  1. Free Consultation—We listen to your situation and goals.
  2. Document Collection—You’ll provide info about income, expenses, debts, and assets.
  3. Means Test—This test calculates your disposable income and helps determine if you qualify and how much you’ll repay in your plan.
  4. File the Petition—We submit your case and proposed plan to the court.
  5. Meeting of Creditors—The court reviews and confirms your repayment plan.
  6. Monthly Payments Begin—You make one payment a month for 3 to 5 years

How Chapter 13 Handles Different Types of Debt

Chapter 13 treats your debts in two categories:

Secured Debt

This includes things like mortgages, car loans, or tax liens. You can catch up on missed payments over time and keep your property.

Unsecured Debt

This includes credit cards, medical bills, and personal loans. You may only pay back a small portion, or sometimes none at all, depending on your situation

How Long Does It Take?

Chapter 13 repayment plans last 3 to 5 years, depending on your income and the size of your debt. Once the plan is complete, you’ll receive a discharge of any remaining qualifying debts.

While it takes longer than Chapter 7, Chapter 13 offers powerful protections—and peace of mind

How Gadow | Tyler Can Help You

We don’t just file paperwork—we build a plan that fits your life. When you work with Gadow | Tyler, you get:

  • A Free Consultation to Review Your Financial Situation
  • A Personalized Repayment Plan That Works for Your Budget
  • Full Protection From Creditors Once Your Case Is Filed
  • A Local, Caring Team by Your Side the Entire Way

Talk to a bankruptcy attorney today. Call us at 601-355-0654 for a free consultation