Experienced Chapter 7 Bankruptcy Lawyer
Last updated on July 1, 2025
Facing constant debt can feel like you are stuck in a cycle that never ends. For those in Ocean Springs or Jackson County, Mississippi, filing for Chapter 7 bankruptcy could be a way to reset your finances and start fresh.
I am attorney Rita Nahlik Silin of Silin Law Firm PLLC, and I work directly with individuals in Ocean Springs and Jackson County who are tired of living under financial pressure. As a Chapter 7 bankruptcy attorney, I can help determine if this option is suitable for you and guide you through the process. With 18 years of experience handling different debt-related matters, I understand what is at stake and how to help you make a real change.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy allows you to eliminate most unsecured debts, including credit cards, medical bills and payday loans. Some of its benefits include:
- Stopping collection calls and wage garnishment
- Wiping out qualifying debts permanently
- Rebuilding your financial life without the burden of past mistakes
Many in Ocean Springs choose this option when their income cannot cover their debts.
The Chapter 7 Bankruptcy Process
The Jackson County Chapter 7 bankruptcy process starts with submitting a petition in federal bankruptcy court. The following is what generally happens:
- You will gather financial documents and complete a credit counseling course.
- The bankruptcy forms must be filled out accurately and filed.
- A trustee is assigned to review your case and meet with creditors.
- If approved, most debts are discharged within a few months.
Working with a Chapter 7 bankruptcy lawyer in Ocean Springs helps ensure everything is done right from the start.
Who Can File For Chapter 7?
To file for Chapter 7, you must pass a means test comparing your income to the state’s median income. If you earn below the median, you are likely eligible.
Even with higher income, certain deductions can help you qualify. A Chapter 7 attorney can walk you through the eligibility rules based on your specific situation in Jackson County.
Ready To Take Control Of Your Debt?
If you are considering filing for Chapter 7 and live in Ocean Springs or elsewhere in Jackson County, Silin Law Firm PLLC is here to help you start with a clean slate. Call 228-215-3080 or fill out the online contact form to speak with a trusted Chapter 7 bankruptcy attorney.