Josh Lawhorn Mississippi Bankruptcy AttorneyI get this question quite often and it is a valid question for someone that is not familiar with the bankruptcy process. The best answer to the question is: “Not with proper representation.”

In a Chapter 13 personal reorganization, it is necessary for the Court to approve or “confirm” the plan that we file in your case. We do not file plans if we do not think the court will confirm them. However, it is quite common for a creditor or the Trustee to object to confirmation of the plan. These objections are usually no cause for concern and the firm will usually be able to resolve the matter over the telephone. Sometimes the attorney will need to go to a hearing to resolve the objection but it is rarely required for the client to attend the hearing. In fact, you will probably only have to attend a meeting of creditors.

In a Chapter 7 case, it is even rarer for any problems to arise. Objections are less frequent and once you attend the meeting of creditors, it is common that nothing happens in your case until you receive your discharge.

While your case can go seamlessly with the help of an experienced attorney, problems can arise quickly without one. That is why it is important to have the proper representation from the very beginning. Every person’s situation is unique and thus requires the expertise that our firm is ready and able to give. If you are considering debt relief, please contact our office nearest to you to set up a private and confidential consultation with one of our licensed attorneys.


Joshua Lawhorn
Written by Joshua Lawhorn

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