Chapter 7 Bankruptcy

Get A Fresh Start With Chapter 7 Bankruptcy

If you are weighed down by debt, help is available. Filing for bankruptcy can help you obtain debt relief and a fresh start.

The law firm of Heidi S. Milam, Attorney at Law, PLLC, has helped many people in northern Mississippi eliminate or reduce their debt load. We take full advantage of the bankruptcy process to help our clients find relief from unbearable debt.

Many people believe they cannot file Chapter 7 due to changes in the law from the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. At the law office of Heidi S. Milam, we evaluate every individual's situation to determine if Chapter 7 is available. In many cases, even households with above average income are able to file Chapter 7.

Contact us to schedule a free consultation.

The Benefits Of Chapter 7 Bankruptcy

By filing under Chapter 7, you can completely eliminate many types of unsecured debts, such as credit card debts, medical bills and personal loans. In most cases, you can keep your property, including your vehicles.

As soon as you hire our firm to represent you, creditor harassment stops. If bill collectors do call, refer them to us. We will handle all such contact from that point on. When we file your petition, garnishment and repossession actions must stop. We will work to achieve maximum debt liquidation while enabling you to keep as much of your property as possible.

In a few short months, you and your family can be on your way to a better future.

Is Chapter 7 Bankruptcy Right For You?

In a free consultation, our lawyer, Heidi Milam, can review your situation and the means test to determine if you qualify for Chapter 7 bankruptcy. Many clients who do not qualify for Chapter 7 elect to file under Chapter 13 instead. Either option can help you obtain debt relief and a fresh financial start.

Many people wonder if they will be able to keep their house and their car after they file Chapter 7 bankruptcy. To keep any property that is secured, a reaffirmation agreement must be executed with the creditor. The law office of Heidi S. Milam will guide you through the reaffirmation process.

Our Services

Our firm will provide you with full representation and counsel from your free initial consultation and decision to file through the final discharge. We will:

  • Prepare all bankruptcy paperwork, including all schedules and financial statements
  • File your petition and represent you in dealings with creditors and trustees
  • Attend the creditors meeting
  • Represent you at all hearings and proceedings in the bankruptcy court
  • Represent you in any disputes with creditors that violate the Fair Debt Collection Practices Act or the automatic stay imposed on collection actions under the Bankruptcy Code

You will have to attend only one brief hearing with the bankruptcy trustee and complete credit counseling and debtor education. We will do the rest.

Free Consultation — Call Today

Contact us to learn how we can help you obtain debt relief. We can meet with you in our Southaven offices during business hours or in the evening by special appointment.

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