Bankruptcy Attorney in Southaven, MS
Chapter 7 & Chapter 13 Representation with 20+ Years of Experience
When debt becomes unmanageable, bankruptcy law provides a federally structured path toward relief. Heidi S. Milam Attorney at Law PLLC is based in Southaven and represents clients through every stage of the process, from the initial filing to final discharge. Heidi S. Milam has spent more than 20 years practicing bankruptcy, family, and elder law, and she brings a perspective most attorneys can’t offer: she’s represented creditors, too.
That dual experience means she understands how creditors think, how they respond to filings, and where their arguments tend to fall short. Our bankruptcy practice covers Chapter 7 and Chapter 13 bankruptcy, debt relief, foreclosure defense, and wage garnishment.
Ready to take the first step? Call our Southaven office at (662) 855-0027 to schedule your free consultation.
Serving DeSoto County & Surrounding North Mississippi Communities
We serve clients in DeSoto, Tate, Panola, Marshall, Tunica, Yalobusha, and Lafayette counties. Southaven sits in DeSoto County, and bankruptcy cases filed from this area fall under the jurisdiction of the U.S. Bankruptcy Court for the Northern District of Mississippi, with the clerk’s office headquartered in Aberdeen and hearings often held in Oxford. Knowing that court’s procedures and expectations matters when building your case.
Because we’ve represented both debtors and creditors, we know how creditors approach a case, what patterns they follow, and where they’re most likely to push back. That knowledge shapes every strategy we build. Your financial picture is specific to you, and the plan we develop reflects your circumstances rather than a generic checklist applied to every file that comes through the door.
Our Services
We’re Here to Help
- Bankruptcy
- Family Law
- Elder Law
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Social Security Disability
- Wills & Probate
- Divorce
- Child Support
- Debt Relief
- Foreclosure Defense
- Wage Garnishment
- Property Division
- Alimony
- Paternity
- Conservatorship
- Advance Directives
- Long-Term Care Planning
- Long-Term Care Planning
- Retirement Planning
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I was so stressed out about my problems, but she put me at ease immediately. The staff was very helpful and followed up on my case constantly.- Elaine D.
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I was a previous client years ago and recently had to visit her again. Heidi Milam was the same as I remembered, very professional, patient and understanding!- Melinda H.
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Mrs. Heidi Milam and her ENTIRE staff are, quite possibly, very likely, the most enjoyable people to do business with.- Corey C.
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We have used her twice and God forbid we will ever need her again, but we wouldn’t hesitate to use her a third time. She has always come through for us.- Doretha A.
Chapter 7 vs. Chapter 13: Which Path Fits Your Situation?
Bankruptcy takes two primary forms. Chapter 7 is a liquidation process designed to eliminate eligible unsecured debt quickly. Chapter 13 is a reorganization process that repays debt over time through a court-supervised plan. The right choice depends on your income, the types of debt you carry, and what assets you want to protect.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy discharges most unsecured debts, including credit card balances and medical bills. Most taxes, student loans, alimony, and child support aren’t dischargeable. Qualifying requires passing a means test that compares your household income to Mississippi’s median income for a household of your size. If your income falls below that threshold, you may qualify. The process typically runs about four to six months from filing to discharge.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy restructures debt through a repayment plan lasting three to five years. It’s an option for filers who don’t qualify for Chapter 7 under the means test, and it’s often a useful path for filers behind on a mortgage or vehicle loan who want to keep the property by catching up on arrears over the life of the plan.
Schedule a Free Consultation in Southaven
We offer free consultations for prospective bankruptcy clients, along with payment plan options for legal fees. Cost concerns shouldn’t stop you from getting answers. Call Heidi S. Milam Attorney at Law PLLC at (662) 855-0027 to talk through your situation and learn which chapter may fit your circumstances.