Legal Question in Bankruptcy in Mississippi

Your question was in the bankruptcy category and your zip code is in Hinds County. It may be best to negotiate some sort of payment plan with help of a consumer credit counseling agency. A list of agencies approved by the Bankruptcy courts for Mississippi can be found at

http://www.usdoj.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_mississippi/cc_mississippi.htm

Additionally, consider whether the lender made errors that would excuse your obligation to pay, e.g. letting the statute of limitations run, failure to properly sell the collateral, fraudulent inducement into the sales contract, contract breaches, and failures to make disclosures required by law. Lastly, consider whether the repo sale was in accord with law and not a sham.