Richard R. Grindstaff, Attorney

Current Bankruptcy costs.

Payment is taken in installments however it is not filed until the fee to get it filed is paid.

Chapter 7  $545.00 attorney fees, $335.00 court costs, $50.00 credit counseling & debtor educations fees:  The total due to get bankruptcy filed and the total amount for the bankruptcy services, $930.00

Chapter 13  $200.00 attorney fees, $310.00 court costs, $50.00 credit counseling and debtor educations fees to get bankruptcy filed, which toals the sum of $560.00.  There is an additional attorney fee of $3200.00 included in the bankruptcy plan paid through 3-5 years of the bankruptcy plan.

 Documents needed to file bankruptcy:

 1.  Bills, credit report, or itemization of bills with addresses and amounts.  A credit report can be obtained once a year free at

2.  Last six months pay stubs.

3.  Last two months bank statements.

4.  Last two years tax returns.

5.  Picture ID and Social Security card.

**please note that court costs are subject to change by the court

  • What is Bankruptcy?
    Bankruptcy is a federal courts process allowing you to tackle your debts while being protected from creditors via the bankruptcy court. Essentially, bankruptcy is designed to help you eliminate your debts or repay them over time, depending on what your financial situation is and what your goals are.

    The concept of U.S. bankruptcy originated in the Constitution and the bankruptcy process has since helped millions of Americans burdened with crushing debt. You are provided with different bankruptcy options when seeking to resolve your financial problems. You have two main options and each is intended to help consumers in financial crisis, but the solutions offered are very different. Two Types of Bankruptcy:

    Chapter 7 bankruptcy, or liquidation, is more common. A Chapter 7 bankruptcy can eliminate a lot of unsecured debt (credit cards, medical bills, old utility bills, unsecured personal loans, etc.), and can generally be completed within just a few months. In a Chapter 7 bankruptcy case, the trustee can liquidate (sell) non-exempt assets to pay creditors, but most people who file for Chapter 7 bankruptcy don't have any non-exempt assets, and so are able to keep their property while eliminating unsecured debts.

    Chapter 13 bankruptcy is often the solution of choice for people who have a lot of secured debt, such as car loans and mortgages, and want to keep the property that serves as security for the loans. In a Chapter 13 case, the debtor enters into a repayment plan that allows 3-5 years to catch up on past due payments. What is the Automatic Stay?

    A court order, the automatic stay provides relief by telling creditors that you are hands-off. In other words, once you file bankruptcy and the automatic stay is entered, creditors cannot contact you about your debts through threatening phone calls or other intimidating means.

  • No Fault Divorce

    In Hinds, Rankin, Pike, Amite, Walthall, Copiah, Lincoln & Franklin counties the cost for a no-fault divorce is $500.00 including court costs for divorces with no children including court costs.  At least $300.00 is required to get the divorce filed and the balance is due prior to the finalization of the divorce.   Documents to be filled out for divorce.

    Bankruptcy documents fillable PDF .

  • Documents to be filled out for Bankruptcy.

    General Bankruptcy Information from the U.S. Trustee:

    Bankruptcy Information Sheet


    When You File Bankruptcy

    You can choose the kind of bankruptcy that best meets your needs (provided you meet certain qualifications):

    • Chapter 7 – A trustee is appointed to take over your property. Any property of value will be sold or turned into money to pay your creditors. You may be able to keep some personal items and possibly real estate depending on the law of the State where you live and applicable federal laws.
    • Chapter 13 – You can usually keep your property, but you must earn wages or have some other source of regular income and you must agree to pay part of your income to your creditors. The court must approve your repayment plan and your budget. A trustee is appointed and will collect the payments from you, pay your creditors, and make sure you live up to the terms of your repayment plan.
    • Chapter 12 – Like chapter 13, but it is only for family farmers and family fishermen.
    • Chapter 11 – This is used mostly by businesses. In chapter 11, you may continue to operate your business, but your creditors and the court must approve a plan to repay your debts. There is no trustee unless the judge decides that one is necessary; if a trustee is appointed, the trustee takes control of your business and property.

    If you have already filed bankruptcy under chapter 7, you may be able to change your case to another chapter.

    Your bankruptcy may be reported on your credit record for as long as ten years. It can affect your ability to receive credit in the future.What Is a Bankruptcy Discharge and How Does It Operate?

    One of the reasons people file bankruptcy is to get a “discharge.” A discharge is a court order which states that you do not have to pay most of your debts. Some debts cannot be discharged. For example, you cannot discharge debts for–

    • most taxes;
    • child support;
    • alimony;
    • most student loans;
    • court fines and criminal restitution; and
    • personal injury caused by driving drunk or under the influence of drugs.

    The discharge only applies to debts that arose before the date you filed. Also, if the judge finds that you received money or property by fraud, that debt may not be discharged.

    It is important to list all your property and debts in your bankruptcy schedules. If you do not list a debt, for example, it is possible the debt will not be discharged. The judge can also deny your discharge if you do something dishonest in connection with your bankruptcy case, such as destroy or hide property, falsify records, or lie, or if you disobey a court order.

    You can only receive a chapter 7 discharge once every eight years. Other rules may apply if you previously received a discharge in a chapter 13 case. No one can make you pay a debt that has been discharged, but you can voluntarily pay any debt you wish to pay. You do not have to sign a reaffirmation agreement (see below) or any other kind of document to do this.

    Some creditors hold a secured claim (for example, the bank that holds the mortgage on your house or the loan company that has a lien on your car). You do not have to pay a secured claim if the debt is discharged, but the creditor can still take the property.What Is a Reaffirmation Agreement?

    Even if a debt can be discharged, you may have special reasons why you want to promise to pay it. For example, you may want to work out a plan with the bank to keep your car. To promise to pay that debt, you must sign and file a reaffirmation agreement with the court. Reaffirmation agreements are under special rules and are voluntary. They are not required by bankruptcy law or by any other law. Reaffirmation agreements–

    • must be voluntary;
    • must not place too heavy a burden on you or your family;
    • must be in your best interest; and
    • can be canceled anytime before the court issues your discharge or within 60 days after the agreement is filed with the court, whichever gives you the most time.

    If you are an individual and you are not represented by an attorney, the court must hold a hearing to decide whether to approve the reaffirmation agreement. The agreement will not be legally binding until the court approves it.

    If you reaffirm a debt and then fail to pay it, you owe the debt the same as though there was no bankruptcy. The debt will not be discharged and the creditor can take action to recover any property on which it has a lien or mortgage. The creditor can also take legal action to recover a judgment against you.


  • Documents needed for bankruptcy and cost.

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