Mississippi Bankruptcy

Bankruptcy laws and resources vary from state to state. The following page provides information and resource links for the state of Mississippi.

If you are not looking for information regarding Mississippi, please use the links on the left to find information for your state.

Bankruptcy Courts - Location and Contact Information

Mississippi bankruptcy courts are divided into two districts, which are further divided into divisional offices.Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.


Counties of Jurisdiction: Alcorn, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Clay, Coahoma, Desoto, Grenada, Humphreys, Itawamba, Lafayette, Lee, Leflore, Lowndes, Marshall, Monroe, Montgomery, Oktibbeha, Panola, Pontotoc, Prentiss, Quitman, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Tunica, Union, Washington, Webster, Winston and Yalobusha Counties

Aberdeen Office U.S. Bankruptcy Court
U. S. Courthouse
703 Hwy 145 North
Aberdeen, MS 39730

Same (662) 369-2596

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Counties of Jurisdiction:

Jackson Office - Adams, Amite, Claiborne, Copiah, Franklin, Hinds, Holmes, Issaquena, Jefferson, Leake, Lincoln, Madison, Pike, Rankin, Scott, Sharkey, Smith, Warren, Wilkinson and Yazoo Counties

Gulfport Office - Clarke, Covington, Forrest, George, Greene, Hancock, Harrison, Jackson, Jasper, Jefferson Davis, Jones, Kemper, Lamar, Lauderdale, Lawrence, Marion, Neshoba, Newton, Noxubee, Pearl River, Perry, Stone, Walthall and Wayne Counties

U.S. Bankruptcy Court
100 East Capitol Street
 Jackson, MS 39201
U.S. Bankruptcy Court
P. O. Box 2448
Jackson, MS 39225-2448
(601) 965-5301
U.S. Bankruptcy Court
U. S. Courthouse
2012 15th Street, Suite 244
Gulfport, MS 39501
Same (228) 563-1790 

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Mississippi Bankruptcy Laws and Exemptions

Mississippi Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Mississippi bankruptcy filings, state exemptions are used. Click here for some common bankruptcy exemptions under Mississippi Code.

Contact a Mississippi bankruptcy lawyer for more information regarding Mississippi bankruptcy exemptions.

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Mississippi Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Mississippi Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Mississippi must:

1. take a credit counseling course from an approved Mississippi credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Mississippi debtor education agency prior to receiving a bankruptcy discharge.

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Mississippi Personal Bankruptcy Attorneys

To find lawyers in your area, you may want to contact your local county bar association or the Mississippi Bar Association:

The Mississippi Bar
643 North State Street
Jackson, Mississippi 39202
(601) 948-4471

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Mississippi Volunteer Lawyer Project's website for a list of organizations that provide legal services to low income clients in Mississippi.

If you are concerned about the representation provided to you by an attorney, contact the Mississippi Bar Association Consumer Assistance Program.

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Additional Resources

U.S. Bankruptcy Court for the Northern District of Mississippi - administrative and procedural information for Northern District of Mississippi bankruptcy filings

U.S. Bankruptcy Court for the Southern District of Mississippi - administrative and procedural information for Southern District of Mississippi bankruptcy filings

Office of the U.S. Trustee for Region 5 - oversees the administration of Mississippi personal bankruptcy cases and case trustees

Mississippi Bar Association - information about the Mississippi bar, membership, ethics, continuing legal education, and resources for the public.

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