Smith & Choudoir Law PLLC

The appropriateness of bankruptcy depends on your individual financial circumstances. During our consultation, we will analyze your debts, assets, income, and expenses to evaluate whether bankruptcy could provide the financial relief you seek. We will also explore alternative options to ensure you can make an educated decision about your financial future.

Bankruptcy generally remains on your credit report for up to eight years. The precise duration varies depending on the bankruptcy chapter filed and specific factors related to your credit history.

When you file for bankruptcy, the automatic stay provision can effectively halt wage garnishments. This legal protection typically prohibits creditors from continuing collection activities, including garnishments, once your bankruptcy petition has been filed.

Bankruptcy filings can effectively pause or postpone foreclosure proceedings. Filing bankruptcy activates an automatic stay that can temporarily suspend the foreclosure process while we explore options for retaining your home, such as restructuring your mortgage payments through a Chapter 13 bankruptcy plan.

Bankruptcy filings generally can stop or delay vehicle repossessions. The automatic stay becomes effective immediately upon filing and restricts creditors from taking possession of your vehicle. In certain cases, bankruptcy also provides pathways for addressing missed payments or modifying your auto loan terms.

They specialize in Chapter 7, Chapter 13, and Chapter 11 bankruptcy filings with experienced attorneys guiding you through the options.

Yes, they provide complimentary initial consultations to discuss your financial situation and potential bankruptcy options.

Filing for bankruptcy with them can often stop wage garnishments through the automatic stay provision, which halts creditor collection actions.

Yes, bankruptcy can potentially stop or delay foreclosure proceedings and offer options to restructure mortgage payments under Chapter 13.

They accept payments by cash and check.

They are open Monday to Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 3:00 PM; closed on weekends and certain holidays.

Their office is at 116 7th Street, McComb, MS 39648, USA.

They also specialize in wills and estates, family law, divorce, and litigation services in Southwest Mississippi.

Yes, Latter & Blum Hometown Realty and Hometown Realty 601.249.0485 are nearby real estate agencies clients may find useful.

Clients can access Southwest Mississippi Mental Health Complex for counseling and pediatric dentistry at Lauren Brock Jones, Dmd Pediatric Dentistry, close to the office.