Give Yourself the Fresh Start You Deserve
Are you in over your head? Does your phone ring all day? Are you dipping into retirement accounts to pay off your debts? If you feel like the walls are closing in, it might be time to do something about it. Unmanageable debt is stressful and prevents you from saving for your future or enjoying the present. Heidi Milam Attorney at Law PLLC can help you wipe out your obligations and set you up for a bright future. Chapter 13 bankruptcy has helped countless Mississippi individuals, and businesses salvage their financial present and enhance their future. We’re thrilled to use our experience and expertise to deliver results to your life.
Why Chapter 13 Bankruptcy Might Be Right for You
Chapter 13 is a useful tool that allows you to reduce – and sometimes eliminate – your debts. Credit cards, medical bills, old utility bills, and loans for repossessed property all qualify for Chapter 13. In some cases, we can help you discharge old tax debts. In many cases, those who use Chapter 13 didn’t qualify for Chapter 7. Those who have a regular income but can’t make ends meet are the best candidates for Chapter 13 bankruptcy. It is also the best chance to keep a home or car. Unlike Chapter 7, which resolves in a matter of months, Chapter 13 bankruptcy plans take between three and five years. However, they are far more forgiving regarding property and asset forfeiture, which is a significant plus.
We Help You Keep Your Home and Other Treasured Items
We can stop foreclosures through Chapter 13 bankruptcy, but you must act quickly. Our firm can also stop repossession attempts in their tracks and prevent creditors from garnishing your wages. These actions immediately take effect following filing for bankruptcy and enable us to form a plan with your creditors. Even better, the incessant phone calls will stop. We have over 15 years of experience. Our attorney, Heidi S. Milam, has represented creditors, giving her a unique insight into how your debtors operate. Her expertise allows her to maximize your debt relief while limiting how much property you lose.
Plan for Your Future with Chapter 13 Bankruptcy
The best reason to seek Chapter 13 bankruptcy is your future. It’s impossible to plan when you are drowning in debt. Do you want to own a house someday? Crushing debt will always prevent you from securing a loan from the bank. What about retirement? Insurmountable debt means funneling every ounce of cash into debt repayment, not savings. Allow us to help.