Chapter 13 Bankruptcy Attorney In Ocean Springs

Last updated on April 6, 2026

When facing overwhelming debt, you may find yourself considering bankruptcy. This is a way to create a fresh financial start and begin moving forward toward a more positive future. One option to consider is known as Chapter 13 bankruptcy.

Here at Silin Law Firm PLLC, you can get the legal guidance you need during this important time. I am attorney Rita Nahlik Silin, and I have more than 15 years of experience that I bring to each case. As a Chapter 13 bankruptcy lawyer, I value direct communication and a family-friendly atmosphere, and I tailor each case to the unique needs of my Jackson County clients. 

Eligibility For Chapter 13 Bankruptcy

Chapter 13 bankruptcy does not force you to liquidate assets and eliminate your debt as Chapter 7 does. Instead, with Chapter 13, you receive a repayment plan that is based on your income, and you then pay the debt down through this consolidated plan over the next three to five years.

This is why the bankruptcy process often starts with a means test. Someone who has a high level of income, even if their debt is unaffordable, may qualify for Chapter 13 but not Chapter 7. Under Chapter 13, you can only have a maximum of $750,000 in secured debt and $250,000 in unsecured debt.

The Chapter 13 Process

The first step is to take a means test to determine if you are eligible for Chapter 13 bankruptcy. If you are, you can then file the petition, and the court will put an automatic stay on any other financial actions or court cases that are pending against you.

For instance, many people file for Chapter 13 bankruptcy not just because of debt but because they are facing foreclosure. The bankruptcy filing puts an automatic stay on the foreclosure case, allowing you to stay in your home until the bankruptcy case has concluded. Working with an experienced Chapter 13 bankruptcy attorney can help you determine exactly how this will apply to your case and whether it can help you consolidate your debt so that your mortgage becomes affordable again.

Call Now For A Consultation

Foreclosure is just one reason to consider Chapter 13 bankruptcy. If you would like to learn more about the process, call us at 228-215-3080 or use the online contact form to set up your initial consultation today.