Mississippi Chapter 7 Bankruptcy Lawyer

Contact Us
On the page
Chapter 7
reviews
Areas Served
Blog

Chapter Seven (7), sometimes referred to as “straight bankruptcy,” is a liquidation proceeding where a debtor must turn over all of his non-exempt property in exchange for the elimination of certain debts. This Chapter is generally used by people with high amounts of unsecured debts. Unsecured debt is debt where there is no collateral or items that a creditor can take if the payments are not paid. Usually, a debtor has a lot of medical bills or credit card debt when filing under this Chapter.

A debtor is allowed to keep certain debts. Most debtors elect to keep their house and motor vehicles although this is not required. If a debtor elects to keep his house or vehicle, he cannot change the amount of the note.

A debtor is allowed to keep his real property if it is considered his homestead.

Some debts are non-dischargeable such as certain taxes, student loans, criminal fines, child support, and alimony.

Credit counseling must be done before filing and again prior to discharge.

To be eligible for Chapter 7, a debtor must pass the “means test” as to his income. This is a test based upon your past and future household incomes and the number of people in your household. The amount of income varies from year to year.

All exempt assets will not be taken by the Trustee.

A debtor is allowed to file a Chapter 7 every eight (8) years.

If a co-debtor exists on a debt, the co-debtor remains liable for the amount.

Both spouses do not have to file, however, if both spouses are on the debt the other will remain responsible for the debt.

As to credit card debt, any charges made within ninety (90) days of filing may not be eligible for discharge. A creditor may file an objection to this debt.

After filing bankruptcy, the debtor must attend a 341 creditor’s meeting. This is a meeting in which the Trustee and creditors can ask questions of the debtor.

For debtors looking to rid themselves of unsecured debts, Chapter 7 is the preferred chapter.

Show More
Show Less

Free Case Review

Talk to a lawyer now

Max. file size: 10 MB.
Aggressive Consumer Protection & Litigation
As far as I’m concerned, you’re more than another case number. I see you — the real person behind the problem.
ONE-ON-ONE ATTENTION
A big advantage of being a solo attorney in a small town is that I can provide my clients with the exclusive time and care they deserve.
DECADES OF EXPERIENCE
I started practicing law in 1998. With over 20 years of experience under my belt, you can rest assured your case is in good hands.
CATERING TO YOUR NEEDS
If you need to meet outside of normal business hours, or if your situation prevents you from coming to my office, I’m happy to accommodate you.
Money problems can leave you in fear and desperation

Depressing Hopelessness…

Possible Loss Of Your Home And Property…

Unsure What Comes Next…

We can help.
TALK TO A LAWYER
Money problems can leave you in fear and desperation

Depressing Hopelessness…

Possible Loss Of Your Home And Property…

Unsure What Comes Next…

We can help.
TALK TO A LAWYER
What Our Clients Say
Christopher Graves
I think reviews from consumer are important; yet, reviews from other attorneys are just as important, in my opinion. Lawyers know the level of integrity, skill, and value-added of their colleagues. With that being said, Daniel Ware can be summed up in sentence: Daniel Ware is your favorite lawyer's favorite lawyer. If I had a civil, criminal, or bankruptcy matter, Daniel would the lawyer I would call.
Kelvin Beverly
Mr. Ware is a very dependable and committed lawyer. He kept me in the loop of what was going on and most importantly he never stopped fighting for my case. That old saying 'He was A-1 from Day-1." Thanks Mr Ware.
Jennifer Bennett
Daniel Ware is an amazing lawyer; very professional and committed. This has been stated over and over again in the reviews. However, he's more than that. Intelligent, compassionate and empathetic you can trust your concerns will be handled. I could go on, but the fact is I'd trust no one else for my affairs. The Ware Law Firm is all I needed.

What is my case worth

Chapter 13 Bankruptcy

Workers' Compensation

Offices
103 3rd Street NW Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079
Also serving clients in ...