Rogers Lawn & Garden Equipment, 236 Hwy. 61 South, Natchez, 601-442-9183
BEST ZERO TURN FOR THE MONEY
EXMARK Quest QTS 708GEM502
State of the art
Rear wheel drive
0% APR for 42 mos. wac
Doing the job right is all about choosing the right tools. When it's time
for professional-grade cut quality and performance in a premium
residential zero-turn rider, the EXMARK Quest delivers.
More commercial-grade features, more comfort and more value.
Quest -- it's what you need.
Sales, Service, Parts
ROGERS LAWN & GARDEN EQUIPMENT
236 Highway 61 South, Natchez, 601-442-9183
Attorney Jack Lazarus, 106 S. Wall Street, Natchez, 601-445-8899
What exactly is bankruptcy?
Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as "liquidation" (Chapter 7) or "reorganization" (Chapter 13). Under a Chapter 7 bankruptcy, you ask the bankruptcy court to wipe out (discharge) the debts you owe. Under a Chapter 13 bankruptcy, you file a plan with the bankruptcy court proposing how you will repay your creditors. You must repay some debts in full; others may be repaid only partially or not at all, depending on what you can afford.
When you file either kind of bankruptcy, a court order called an "automatic stay" goes into effect. The automatic stay prohibits most creditors from taking any action to collect the debts you owe them unless the bankruptcy court lifts the stay and lets the creditor proceed with collections.
Certain debts cannot be discharged in bankruptcy; you will continue to owe them just as if you had never filed for bankruptcy. These debts include back child support, alimony, and certain kinds of tax debts. Student loans will not be discharged unless you can show that repaying the debt would be an undue burden, which is a very tough standard to meet. And other types of debts might not be discharged if a creditor convinces the court that the debt should survive your bankruptcy.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
In Chapter 7 bankruptcy, you ask the bankruptcy court to discharge most of the debts you owe. In exchange for this discharge, the bankruptcy trustee can take any property you own that is not exempt from collection (see below), sell it, and distribute the proceeds to your creditors.
In Chapter 13 bankruptcy, you file a repayment plan with the bankruptcy court to pay back all or a portion of your debts over time. The amount you'll have to repay depends on how much you earn, the amount and types of debt you owe, and how much property you own.
You won't lose property in Chapter 13 bankruptcy, because you fund your repayment plan through your income. In Chapter 7 bankruptcy, you select property you are eligible to keep from a list of state exemptions. Although state exemption laws differ, states typically allow you to keep these types of property in a Chapter 7 bankruptcy:
Equity in your home, called a homestead exemption. Under the Bankruptcy Code, you can exempt up to $23,675 of equity. Some states have no homestead exemption; others allow debtors to protect all or most of the equity in their home.
•Insurance. You usually get to keep the cash value of your policies.
Retirement plans. Most retirement benefits are protected in bankruptcy.
Personal property. You'll be able to keep most household goods, furniture, furnishings, clothing (other than furs), appliances, books and musical instruments. You may be able to keep jewelry only worth up to $1,000 or so. Most states let you keep a vehicle as long as your equity doesn't exceed several thousand dollars. And many states give you a "wild card" amount of money -- often $1,000 or more -- that you can apply toward any property. (To learn more about what happens to your automobile, see Nolo's article Your Car in Chapter 7 Bankruptcy.)
Public benefits. All public benefits, such as welfare, Social Security, and unemployment insurance, are fully protected.
Tools used on your job. You'll probably be able to keep up to a few thousand dollars worth of the tools used in your trade or profession.
Mississippi Auto Direct, 250 John R. Junkin Drive, Natchez, 601-443-9750
See Dustin White and David Smith for all your service needs. Tires, batteries, brakes, front end alignments, tune-ups, and more.
We repair almost all import and domestic vehicles, including light trucks.
Fair prices, excellent work, free estimates
Best deals on wheels!
2015 Hyundai Accent GLS
4 to choose from, gas saver
factory warranty, call us now!
$9,977 or $164/mo. 72 mos.
2015 Nissan Altima 2.5S
5 to choose from, low miles
sporty sedan, test drive today
$14,977 or $252/mo. 72 mos.
2011 Mercury Milan Premier
leather, V-6, local trade
$9,977 or $164/mo. 60 mos.
2014 Chevy Captiva Sport
leather, sunroof, low miles
$14,577 or $245/mo. 72 mos.
2016 Honda Accord LX
Only 6,700 miles, warranty
super clean, like new!
$20,977 or $356/mo. 72 mos.
2017 Nissan Maxima 3.5S
all new look, 18k miles
navigation, so nice!
$25,977 or $443/mo. 72 mos.
2017 Chrysler Pacifica Touring
Limited, dual power sliding doors
nav., power liftgate, leather
$29,677 or $499/mo 72 mos.
2014 Jeep Compass Limited
gas saver, leather
navigation, alloy wheels
$16,977 or $287/mo. 72 mos.
2016 Kia Cadenza Premium
14k miles, leather, nav.
sunroof, all new look!
$24,277 or $414/mo. 72 mos.
2014 Infiniti Q50 Premium
leather, roof, navigation
loaded import, fact. warranty
$24,477 or $417/mo. 72 mos.
Pics for illustration purposes only. All prices plus tax, title and license. Financing available with $1000 down cash or trade at 5.9% APR and approved credit. If your trade is worth more, your monthly payments may even be lower! WE BUY CARS FOR CASH! Our full service shop serves nearly all makes and models of cars and light trucks. Selling tires, too! SHOP AND COMPARE. WE SELL FOR LESS!
250 John R. Junkin Dr., Natchez, 601-443-9750
See all our vehicles with great photos at www.msuautodirect.com