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1. Communication. Contact us. The best decision you can make is to speak with us early about your unique financial situation so that all options are on the table.
2. Documentation. Get some basic financial documentation together.
3. Consultation. Meet with attorney Frank Coxwell and/or attorney Rachel Coxwell personally to review all options, create a strategy, a plan, and timeline that will solve your financial difficulty.
4. Filing. Take action to protect you, your family and your property based on the plan and timeline we put together for you which will include the beginning of repairing and rebuilding your credit.

The worst thing you can do when facing a financial hardship is to put off talking about your situation with us. Don’t let fear keep you from finding out your options. Many people avoid speaking with a bankruptcy attorney out of fear, guilt, or a sense of shame until things get so bad that bankruptcy is the only thing that can help and even though it will still help, they have waited so long that bankruptcy could have helped even more if they had had time to prepare and plan ahead for it. If things have already gotten crazy - lawsuits, garnishments, threats from the repo-man, or from foreclosure attorneys - it’s not too late! WE CAN HELP YOU.

We understand what you’re going through. Who hasn’t gone through financial hardship at some point in time? We have helped members of our own family to overcome it as well – nobody is immune. And it won’t go away on its own. Things like borrowing more money, taking from your future (retirement funds, etc) to pay for the present, or selling everything you have to pay down debt often makes things worse. And it’s never a good idea to turn unsecured debt (like medical bills, credit cards, etc) into secured debt by borrowing against your home.

If you are facing financial difficulty, a consumer protection attorney (or more commonly known as a bankruptcy attorney) is the type of attorney you need to discuss your financial hardships with to know what the law can protect, what it can help you reorganize, and what it can help you completely get rid of.

The laws don’t care if you are $1 in debt or $1,000,000 – if your debt is overwhelming you, there are options available that can get you back on track.

You have nothing to be ashamed of or to feel guilty for – millions of Americans have had to file bankruptcy to get through hard times and for all types of reasons. We have helped people from all walks of life – school teachers, policemen, nurses, doctors, other lawyers, small business owners, construction workers, disabled, retired, caregivers, clerks, bartenders, beauticians, pastors – the list goes on! What does everyone have in common? They decided to fight back and use the tools available to them to move on, rebuild, and protect what they had worked so hard to afford.

Our bankruptcy laws were founded on Old Testament Biblical principles. The moral and legal obligation to pay debts is to be balanced with considerations such as the need for compassion. That is why our founding fathers ensured that within our Constitution we had certain rights. They wanted no part of the old world “debtor’s prison” systems that were anything but balanced and offered anything but protection of the consumer.

You have nothing to fear and you are not alone. Our job as your attorney is to help you protect what you have worked so hard for and to help you regain your peace of mind financially. If bankruptcy is the answer for your situation, then we will thoroughly discuss how the process works and how you can gain the maximum benefits from filing either a Chapter 7 or a Chapter 13 bankruptcy case.

If you are a homeowner, know that filing a bankruptcy case in Mississippi will NOT prevent you from seeking a mortgage modification or pursuing a lawsuit due to mortgage fraud, predatory lending, and/or predatory loan servicing. Filing bankruptcy may even assist you in these matters.

I know that there is a lot of information to try to absorb about finances and the legalities of all the various options – and most often it’s easier to talk face to face. Call us (attorney Frank Coxwell or attorney Rachel Coxwell) for a consultation appointment. It allows us to meet, discuss your specific issues, and see what can be done without any obligations.