Robert Gambrell

I have practiced law in Mississippi since January, 1977. My math background has helped me assist my client's with their financial problems in ways that those without a math background are unable to do. My bachelors degree was in mathematics and I received both my bachelors degree and my Juris Doctorate from the University of Mississippi. My primary focus is in the areas of Chapter 13, Chapter 7, Chapter 12 and Chapter 11 Bankruptcy along with Social Security Disability Claims. I am one of only three attorneys in Mississippi selected as a super lawyer by MidSouth Super lawyers in the area of consumer bankruptcy law. I am a member and a past-president of the Mississippi Bankruptcy Conference, which is the statewide organization for bankruptcy professionals in the state of Mississippi. I have frequently been on the faculty of seminars for attorneys and lay persons in the field of bankruptcy, including seminars for local, statewide and national audiences.

• Free Consultation
  60 minute free consulation
• Contingent Fees
  Contingent fees accepted in Social Security Disability claims and in some litigation against lenders within the bankruptcy proceedings.

Mississippi

Since 1977

5th Circuit

Since 1996

University of Mississippi

J.D. (1976) | law

1973 - 1976

University of Mississippi

B.S. (1972) | mathematics

1967 - 1972

selected as a super lawyer

SuperLawyers.com

2017

selected as a super lawyer

SuperLawyers.com

2013

selected as a super lawyer

SuperLawyers.com

2012

selected as a super lawyer

SuperLawyers.com

2011

selected as a super lawyer

SuperLawyers.com

2010

Mississippi Bankruptcy Conference

Past President / current member

1986 - Current

Activities: In addition to serving one year as president of the statewide organization for bankruptcy professionals, I served as the co-chairman for the annual seminar for two consecutive years.

Mississippi State Bar  # 4409

Member

1977 - Current

Avoidance of Liens on Household Goods, Business Equipment, etc

www.ms-bankruptcy.com

January 16, 2010

Exemptions in Mississippi

www.ms-bankruptcy.com

December 27, 2009

Mississippi Bankruptcy Law Update, Mississippi Bankruptcy Conference Annual Seminar, Jackson, MS

November 16, 2016

Mississippi Bankruptcy Conference

Review of new cases from the Fifth Circuit Court of Appeals, the Bankruptcy Court of the Northern District of Mississippi and the Jackson Division for the Bankruptcy Court of the Southern District of Mississippi.

Mississippi Bankruptcy Law Update, Mississippi Bankruptcy Conference Annual Seminar, Jackson, MS

December 10, 2015

Mississippi Bankruptcy Conference

Review of new cases from the Fifth Circuit Court of Appeals, the Bankruptcy Court of the Northern District of Mississippi and the Jackson Division for the Bankruptcy Court of the Southern District of Mississippi.

Discharging Student Loans, Annual Mississippi Bankruptcy Conference Seminar, Jackson, MS

December 13, 2013

Mississippi Bankruptcy Conference

Tips for a Better Consumer Bankruptcy Practice, Annual Mississippi Bankruptcy Conference Seminar, Jackson, MS

December 16, 2011

Mississippi Bankruptcy Conference

Hot Topics In Chapter 7 Cases in Chapter 13 Cases, Annual Mississippi Bankruptcy Conference Seminar, Jackson, MS

December 11, 2009

Mississippi Bankruptcy Conference

Q. What can I do if my Ex and his wife filed a chapter 13 which has stopped my accrued child support payments significantly

February 20, 2018

A: You should contact the MS Department of Human Services, Child Support Collection Division to determine if you can get free assistance with the collection of child support.

Q. If I am supposed to pay a bill by the end of the month to an attorney can I still file bankruptcy and stop that?

February 20, 2018

A: Assuming that the bill is a payment on a debt for previous work performed the lawyer, the automatic stay that will go into place once you file for relief under the bankruptcy code will preclude any collection activity except for some types of collection for child support or alimony and collection of criminal fines and restitution.

However, you should consider many more factors before making the decision to file for bankruptcy relief. Some of those factors are:

There are many factors that could affect your ultimate decision. Those factors include:

1) total amount of unsecured debt such as credit card debt, medical bills, personal loans, old utility bills, etc.;

2) total amount of secured debt such as auto loans, house mortgages and loans that have other items as collateral;

3) for loans made to purchase autos and other personal property in which the collateral are the purchased items, did you purchase the auto more or less than 2.5 years ago or did your purchase other personal property more or less than one year ago;

4) what is the interest rate on you secured loans and would a reduction to around 5.0% help you significantly;

5) for the tax debt is the debt dischargeable in a chapter 7 or chapter 13, and if not, would discharging the penalties in a chapter 13 and stopping the interest from running on the tax be a significant savings;

6) your projected income and expenses and you means test income and expenses, which considers your average income over the past 6 months;

7) what assets do you own that are exempt and what assets that you own that are not exempt;

8) is your income subject to being garnished by a judgment creditor if you decide not to file; and

9) your current credit score, which if it is already extremely low now, your score could be helped by filing and doing the right things to rebuild your credit after entry of the discharge order in your case.

The best way to answer your question is to take advantage of a free initial consultation with an experienced bankruptcy attorney that handles chapter 7 and chapter 13 cases even if you think you need to file under chapter 7. Become educated on all the issues involved and related to your current economic situation, find out the advantages and disadvantages for filing under each chapter and use an attorney that can help you make the right decision for you. Most bankruptcy attorneys will meet with both of you at no charge for the initial appointment. ... Read More

Q. I am considering bankruptcy, but I'm not sure if I qualify. I am currently 60 or more days past due on bills.

July 2, 2017

A: Qualification to file for relief under chapter 7 of the bankruptcy code does not depend upon the number of creditors that you have, the amount you owe or whether you are behind on those debts. Qualification for a chapter 7 discharge depends upon your monthly income and expenses in relation to the amount of your unsecured debt. There are two separate tests, one being the Means Test and the other being the Abuse Test.

Qualification to file for relief under chapter 13 of the bankruptcy code depends upon whether your income and living expenses will provide you with enough disposable income to pay your chapter 13 plan payment. You plan payment amount will depend upon the amount of secured debt and priority debt (generally taxes and child support) that you must pay along with the amount of attorney's fees that are being paid through the plan. If you can pay the secured and priority debt along with your attorney's fees in what is called the commitment period and you still have money available to pay into the plan, you will also be required to pay what you can afford to pay to unsecured creditors such as credit card debt and medical bills. The commitment period will either be 3 years or 5 years depending upon the family's monthly income and the size of the household.

The best way to answer your question is to take advantage of a free initial consultation with an experienced bankruptcy attorney that handles chapter 7 and chapter 13 cases even if you think you need to file under chapter 7. Become educated on all the issues involved and related to your current economic situation, find out the advantages and disadvantages for filing under each chapter and use an attorney that can help you make the right decision for you. Most bankruptcy attorneys will meet with you at no charge for the initial appointment. You can use the Justia "Find a Lawyer" link at the top of this page to search for an attorney. ... Read More