Sheehan and Ramsey is a small, veteran-owned, law firm located in Ocean Springs Mississippi. In addition to serving as Biloxi bankruptcy lawyers, our attorneys handle various legal matters involving real estate, consumer law, Social Security, wills and probate, and much more. We offer free consultations for any area in which we practice. We care deeply about the people and businesses of the Mississippi Gulf Coast and want to serve your legal needs. Feel free to browse this site if you are just looking for information. If you would like to speak with an attorney, please contact us today.
Bankruptcy is not for everyone, but it is a powerful tool to escape debt. Our attorneys will evaluate your situation at no cost to you and determine what options are available to you. If bankruptcy is the right solution for you, our attorneys will be with you every step of the way and we will provide you with the tools to help you rebuild your credit and get on the right track to financial wellness.
Bankruptcy is commonly used to stop garnishments, foreclosures, lawsuits, and other actions taken against an individual or a business. Once a bankruptcy is filed with the assistance of a Biloxi bankruptcy attorney, the “Automatic Stay” goes into effect. The Automatic Stay is an order from the bankruptcy court that stops most actions against you and your property. In Chapter 13, the Automatic Stay also protects your codebtors on consumer loans and student loans. This means that a creditor cannot sue you, cannot garnish you, cannot continue any lawsuit against you, and they cannot repossess or foreclose on your properties.
Bankruptcy can also be used to eliminate debt or to restructure and reorganize debt. At the end of most bankruptcy cases, you will receive a discharge of your debt. This means that the debt is no longer owed and creditors cannot report the debt to credit reporting agencies or otherwise attempt to collect the debt.
There are four different chapters of bankruptcy with four different purposes. Our Bankruptcy page discusses some of those distinctions, but you will be better positioned to decide which chapter is right for your situation after meeting with a Biloxi bankruptcy lawyer.Consumer Law
Mississippi law lacks many consumer protection statutes that exist in other states, but Mississippians still have rights under federal law. Creditors violate these rights on a regular basis because they think that they can get away with it. Most consumers do not understand their rights and many lawyers lack the knowledge and training to take these cases and win. Our lawyers can recognize your rights under federal law and they can take your creditors to task. In most cases, these statutes provide attorney's fees, so you will not have to pay us anything to take your case.
Whether you are dealing with an abusive debt collector, harassing phone calls, inaccurate credit reporting, or a mortgage company that is not crediting your payments properly, our lawyers can advise you of your rights, recognize your claims under the law, and get you the justice that you deserve. Find out more about the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and other valuable consumer protection laws here.Wills, Estate Planning, and Probate
Our attorneys also handle matters involving wills estate planning, probate, and intestate succession (what happens if someone passes without a will). Whether you need a will drafted, you need a will probated, or if a family member has died without a will, we can help. A will is a simple document that can save your family and friends a good deal of trouble when the inevitable happens. It is important to speak with your family and friends before you are sick so that they understand what you want to happen, but it is also important to put that into a formal will that can be enforced by a court when you pass.
Our attorneys will listen to your needs and put them into a will that can be probated upon your death. In some cases, a will may not be the best option for fulfilling your wishes after death. We will discuss with you other options like trust planning and inter vivos transfers that may ease the probate process or allow your family to avoid it altogether.
On the other hand, if a loved one has passed and you have been left in charge of administering their estate, our attorneys can help. Losing a loved one is difficult enough without having to administer their will or – even worse – trying to figure out what to do without a will. Our lawyers can help this difficult process by explaining what needs to be done and filing the necessary documents with the Chancery Court regardless of whether your loved one died with or without a will.Real Estate
Whether you are buying property, confirming title after a tax sale, trying to defend your property from wrongful foreclosure, or trying to get answers from your mortgage company, our attorneys can assist you. We handle numerous issues involving title work, closings, and foreclosure defense and can put our experience to work for you.Social Security Disability Insurance
Social Security Disability Insurance (“SSDI”) is an insurance program that most people have paid into the majority of their working lives. Studies show that a 20-year-old worker has a 1-in-4 chance of becoming disabled before they reach full retirement age. SSDI exists as a safety net in case an individual can no longer work before they reach retirement age. Sadly, the majority of SSDI applications are initially denied, but the majority of appeals are successful.
You can apply for SSDI online here or call the Social Security Administration at 1-800-772-1213 to schedule an appointment. Once you apply, your application will be considered in a process that typically takes three to five months. If you are denied, you can appeal, but you must do so within 60 days or you will have to reapply. As soon as you receive a denial letter, you should contact an attorney to start the appeal process. SSDI appeals are much more successful than initial applications with 78% of appeals being approved. Having an attorney assist you with your appeal can help you reverse the denial of benefits and get approved for benefits.
If you are one of the many cases where a disability claim is wrongly denied, our attorneys can handle your disability appeal on a contingency-fee basis. This means that there are no up-front costs and you will not pay us anything unless we are successful in getting you the benefits that you deserve. Call us today to schedule a free consultation.
Per Federal law, we are considered a Debt Relief Agency. This means that we assist people and small businesses in seeking bankruptcy relief under Title 11 of the United States Code.
Biloxi Bankruptcy Lawyer | Jackson County, Mississippi Consumer Law Attorney | Sheehan and Ramsey
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