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Middleton & Tinsley Law Firm, PLLC

Chapter 7 bankruptcy protection allows debtors to get rid of most debts and start over with a clean slate. Chapter 7 is the process by which unsecured debts (credit cards, medical bills, signature loans, etc.) are eliminated (also called “discharged”).  Secured debts (debts guaranteed by land, a car title, jewelry, etc.) can be reaffirmed under certain conditions.  A majority of our clients keep their homes and cars in a Chapter 7 Bankruptcy.


You must prove eligible to file a Chapter 7 bankruptcy, but most of our clients do.  A complicated calculation called the “means test” is performed to determine eligibility.  

Chapter 7 Bankruptcy

Do not worry about the test, we perform the calculations for you, and a great majority of our clients do qualify.  Debtors that fail to meet the requirements of a Chapter 7 bankruptcy often file a Chapter 13 bankruptcy (often called a “repayment plan”).

There are also special exceptions for veterans, the elderly, and those with debt that primarily came from operating a business.


Bankruptcy law protects some kinds of property through exemptions and they can include your home, automobile, spouse or minor children’s automobiles, certain personal property, wildcard exemptions (a catch-all for property that doesn't fit into a designated category), tools of the trade (such as mechanic tools, a work van, or other items needed to allow you to make an income after the bankruptcy), and even your wedding and engagement rings. 

We are a debt relief agency.

We help people file for bankruptcy relief under the Bankruptcy Code.