Chapter 13 Bankruptcy
Reorganize Your Debt. Protect What Matters. Reclaim Control.
If you're behind on mortgage payments, facing foreclosure, or struggling to keep up with debt—but still have a steady income—Chapter 13 bankruptcy may be the right option for you. At Gawyn Mitchell, Attorney at Law, we help individuals and families in Columbus and surrounding areas use Chapter 13 to catch up on past-due bills, protect assets, and move toward financial stability.
With over 35 years of experience, our team will guide you through every step of the process with honesty, clarity, and care.
What is Chapter 13 Bankruptcy?
Chapter 13, also known as “reorganization bankruptcy,” allows you to combine most of your debts into one manageable monthly payment. Instead of wiping out debt immediately, it creates a court-approved repayment plan that lasts 3 to 5 years, during which you can catch up on missed payments and eliminate or reduce unsecured debts.
This option is ideal for those who want to protect their home from foreclosure, keep valuable property, or do not qualify for Chapter 7.
Key Benefits of Chapter 13
- Stop Foreclosure - Halt foreclosure proceedings and catch up on mortgage payments over time.
- Consolidate Debt - Combine multiple debts into one monthly payment based on your income and expenses.
- Protect Property - Keep your home, car, and other valuable assets while repaying creditors through the plan.
- Stop Wage Garnishment & Utility Shutoffs - Filing puts an automatic stay in place to stop collection actions immediately.
- Repay What You Can Afford - Your plan is based on what you can reasonably pay—not what creditors demand.
How Chapter 13 Works
- Free Consultation – We evaluate your finances and determine if Chapter 13 is right for you.
- Credit Counseling – Complete the required pre-filing counseling session.
- File Your Petition – We prepare and file all necessary documents with the court.
- Propose a Repayment Plan – We develop a plan to pay off debts over 3 to 5 years.
- 341 Meeting – Attend a short meeting with a bankruptcy trustee.
- Begin Monthly Payments – Start making manageable monthly payments under court supervision.
- Receive Discharge – Once your plan is complete, remaining eligible debts may be discharged.
Is Chapter 13 Right for You?
Chapter 13 may be a good option if:
- You are behind on your mortgage or car loan
- You want to stop foreclosure or repossession
- You have a steady income but can’t keep up with debts
- You don't qualify for Chapter 7 bankruptcy
- You want to consolidate debt and protect assets
We’ll help you decide whether Chapter 13 is your best option—and explain every step in plain, understandable terms.
Why Work With Gawyn Mitchell?
- Over 35 Years of Bankruptcy Law Experience
- Local, Personalized Service You Can Trust
- Free Initial Consultations
- Designated Federal Debt Relief Agency
- Offices in Columbus and Louisville, MS
- Friendly, Non-Judgmental Legal Support
Take Back Control of Your Finances
Chapter 13 gives you the power to catch up, protect what matters, and rebuild. You don’t have to face it alone—let us help you create a clear plan forward.
Call (662) 327-3344 today or visit our office at 112 5th St. South, Columbus, MS to schedule your free consultation.
We’re here to help you move forward with strength, clarity, and peace of mind.
Ready for a Fresh Start?
Fill out the form below, and we’ll contact you to discuss your options. Your consultation is free, confidential, and judgment-free.
FAQ's
Answers to Your Most Common Questions
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 helps eliminate most unsecured debts quickly. It’s ideal for individuals with limited income and few assets.
Chapter 13 allows you to reorganize your debt into a court-approved repayment plan, helping you keep assets like your home or car while catching up on missed payments.
Will I lose my home or car if I file for bankruptcy?
Not necessarily. Both Chapter 7 and Chapter 13 offer ways to protect your home and vehicle. Mississippi’s exemption laws and Chapter 13 repayment plans can allow you to keep these important assets, depending on your situation.
How long does the bankruptcy process take?
Chapter 13 involves a 3 to 5-year repayment plan, after which remaining eligible debt may be discharged.
Do I have to pay back all my debt in Chapter 13?
Not necessarily. Some debts may be reduced or discharged after your repayment plan is completed. Unsecured debts (like credit cards and medical bills) may only require partial repayment, or in some cases, none at all.
Will filing for bankruptcy ruin my credit forever?
No. While bankruptcy will appear on your credit report for up to 10 years, many people start rebuilding their credit soon after discharge. In some cases, your credit score may actually improve after bankruptcy because you’ve eliminated overwhelming debt.
Does bankruptcy stop collection calls and wage garnishments?
Yes. Once your case is filed, an automatic stay goes into effect. This legal protection immediately stops most collection efforts, including calls, lawsuits, wage garnishments, and utility shutoffs.
How do I know if Chapter 13 is right for me?
If you have a steady income and need to catch up on debts while keeping your property, Chapter 13 may be the best solution. If you don’t qualify for Chapter 7 or have assets you want to protect, Chapter 13 allows you to repay your debts in a structured, manageable way.
