Entries by Gardner Law Firm

Distracted Driving is Now Considered an Epidemic on U.S. Roads

Everyone tends to think that they’re a safe driver.  In fact, many of us believe that we’re so conscientious that it’s no problem to drive in heavy traffic, change the radio station, eat a snack, and respond to an important text message – all at the same time.  Unfortunately, distracted driving has proven to be […]

2016 may be the Most Deadly Year on the Roads in 50 years

According to preliminary analysis of data released by the National Highway Traffic Safety Administration (NHTSA), 2016 has already earned the dubious distinction of being strikingly more deadly than 2015. 2015 itself was a particularly deadly year on American roads, marking the first time since the ‘60s that more fatal traffic accidents occurred in one year […]

What is the Automatic Stay, and How Does It Work?

The automatic stay is one of the most important protections granted to debtors filing for bankruptcy, under either Chapter 7 or Chapter 13. The automatic stay can help you remain in your home and prevent any new liens from being filed against your property during your bankruptcy. Read on to learn more about the automatic […]

The Credit Counseling Requirement in a Mississippi Bankruptcy: A 2026 Comprehensive Guide

Deciding to file for bankruptcy is a monumental choice that offers a pathway to financial recovery, allowing individuals in Gulfport and Biloxi to wipe their financial slates clean. While this process offers hope, federal law mandates specific educational hurdles, primarily the credit counseling requirement. Understanding the nuances of this rule ensures your filing remains valid […]

The 2026 Guide to Secured and Unsecured Debt in Bankruptcy in Mississippi

If you are considering filing for bankruptcy in 2026, understanding the distinction between secured and unsecured debt is the most critical step in protecting your assets. These categories determine whether you can keep your home in Biloxi, your truck in Hattiesburg, or finally find relief from medical bills in Pascagoula. This guide explores how these […]

The Bankruptcy Means Test for Mississippi Petitioners: 2026 Comprehensive Guide

If you are considering filing for bankruptcy in Mississippi, understanding the various chapters and eligibility requirements is essential for a successful outcome. Whether you qualify for Chapter 7 liquidation depends largely on the “means test,” a calculation of your income and expenses. This guide explores the 2026 standards, legal updates, and strategic considerations for residents […]

Will I Be Able to Keep My Home in a Bankruptcy? (2026 Guide)

If you are considering filing for bankruptcy, it is likely you realize that you’re going to have to make some difficult decisions and sacrifices as a part of that process. If you’re a homeowner, you may be concerned about the prospect of losing your home in bankruptcy, and wondering if there’s some way to file […]