Family Law

• Child Support
  Priority debt must be paid in full over the plan. This includes past-due child support/alimony and taxes incurred in the past three years. If the taxes were due more than three years before the case was filed, then the taxes are not priority and they may be dischargeable. If the taxing authority has filed a lien, then the taxes may be treated as secured debt. Since tax issues in bankruptcy are complex, you should discuss this with one of our Ocean Springs Chapter 13 attorneys.
• Spousal Support
  At the conclusion of a Chapter 7 bankruptcy, your debts are discharged. This means that you will not legally owe the debt anymore and the account can no longer be reported as “past due†or “in collection†. Chapter 7 is commonly used for medical bills, personal loans, judgments, payday loans, and credit card debt. There are exceptions to discharge, however, for some taxes, most student loans, child support, alimony, and certain other debts including debts from drunk-driving accidents or intentional torts - such as assault. Taxes can typically be discharged if the taxes were due more than three years before the bankruptcy was filed, the taxes were filed more than two years before the bankruptcy was filed, and the taxes were assessed more than 240 days before filing. Due to how our courts interpret the law, student loans that are federally guaranteed are usually nondischargeable, but private student loans may be discharged. Reach out to our experienced Biloxi and Jackson County attorneys to learn more about what happens after filing for Chapter 7.

Criminal Law

• DUI/DWI
• Fraud
  Even though our consultations are free, it does cost money to file bankruptcy. These costs include attorneys’ fees, court costs and the costs of legally required credit counselling. Since Congress amended the bankruptcy code in 2005, it has become more difficult to file bankruptcy and very dangerous to file without the help of a lawyer. If you do not have an attorney, you may risk having your case dismissed, losing property that should be protected, or even facing jail time for bankruptcy fraud. Every bankruptcy case is different, and our pricing reflects that. Our Jackson County bankruptcy law firm offers free consultations via telephone, skype, zoom, or in-person to analyze your case and provide you with the best quote available.
• Assault
• Forgery
  Title Insurance protects against claims from defects in title. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in an insurance policy. Certain lenders may purchase title insurance for some loans secured by real estate but lenders, purchasers and sellers can all benefit from having title insurance.

Business and Corporate Law

• Business Disputes
  Pat is a knowledgeable lawyer with decades of experience in real estate, bankruptcy, business law, and numerous other fields of law. He is admitted to practice before the United States Supreme Court. His current practice involves business bankruptcies,...

Property Law

• Real Estate Litigation
  At Sheehan & Ramsey, we assist clients with cases involving bankruptcy, consumer rights, real estate law, and estate planning. If you have questions about your specific situation, contact us today.
• Real Estate Transactions
  Our real estate attorneys can assist you with contract preparation, title research, obtaining title insurance, and closing on your real estate transaction. If you are a realtor or if you are buying or selling property and you need an attorney to help with the process, call our office for a free consultation.
• Easement

Health Law

• Personal Injury
  Personal injury judgments up to $10,000.00. ( Note: The problem here is that the courts have ruled that a personal injury claim that has not been reduced to a judgment is not exempt.) §85-3-17
• Social Security Disability
  Miss. Code Ann. (Note: We use this on all social security disability claims, even SSI claims which are not really disability insurance. To obtain SSI (supplemental security income), one must be disabled, but it is a needs basis program and is not insurance. SSI can also be exempt under Federal Law.

Trusts and Estates

• Estate Planning
  After graduating law school, Drew began working for a multi-state vehicle leasing company as in-house counsel before coming to work for Pat and Mike at Sheehan & Ramsey in 2021. Drew handles bankruptcies, consumer litigation, wills & estates and real estate, with a focus on consumer bankruptcy and probate. His litigation experience includes arguing motions before the Southern District of Mississippi and trying cases in Chancery Court dealing with contested probate matters. Drew is a member of the National Association of Consumer Bankruptcy Attorneys and the Mississippi Bankruptcy Conference.
• Wills
  Sheehan & Ramsey is a small, veteran-owned law firm located in Ocean Springs. In addition to serving as 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.
• Power of Attorney
  A servicemember’s rights under the SCRA can be invoked by the member or by anyone holding a valid power of attorney for that servicemember.
• Probate

Finance Law

• Bankruptcy
  Qualification for bankruptcy depends on the specific chapter of bankruptcy. To qualify for a Chapter 7 bankruptcy, your income must be below median income, or you must pass the “means test†to determine if you are eligible. The means test looks at whether you can afford to pay back some of your debts if you were to budget differently and file a Chapter 13 repayment plan. You do not have to do the means test if your debt is mostly from operating a business, if you are a disabled veteran and your debts were incurred while you were on active duty, or if you are a guardsman/reservist and your debts were incurred while on active duty.
• Foreclosure
  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.
• Tax Law
• Debt Collection
  Creditors have a way of kicking you when you are down. If you are down on your luck and you owe money, creditors can add to your stress by harassing you with endless phone calls and abusive collection practices. 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 know 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 attorneys are trained to recognize claims that you may have under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and many other federal laws that protect your consumer rights. We can inform you of your rights, tell you how to deal with creditors, and, in some cases, take these companies to court. In most cases, the law provides attorney's fees, so you will not have to pay us anything to take your case.