Saxton Law, PLLC - Bankruptcy Attorney

04/06/2026

More than 10,000 veterans have already lost their homes to foreclosure, with tens of thousands more at risk after the VA ended a key mortgage relief program designed to help struggling borrowers stay in their homes.

While a new solution is being discussed, many veterans remain in limbo without clear options to avoid foreclosure.

This is an important reminder for anyone working with veterans or VA-backed loans: understanding available loss mitigation options, including bankruptcy—and acting early—can make a significant difference.

Full article:

Foreclosures on VA loans are at their highest level in a decade. VA has a fix but it is months away and could still leave vets worse off than most other homeowners.

03/23/2026

MYTH: You need a huge amount of debt to file for bankruptcy.

FACT: There is NO minimum debt requirement to qualify for bankruptcy. It's based on your income, expenses, and ability to repay, not the total debt
amount.

Read our new blog post to learn the truth

Not sure it you qualify? Contact us today for a consultation on your options: https://saxton.law/schedule-a-consultation/

https://saxton.law/blog/2026/03/bankruptcy-myth-vs-fact-you-cant-qualify-for-bankruptcy-unless-your-debt-is-huge/

03/16/2026

💡 Bankruptcy Myth vs. Fact

Many people in Madison believe filing bankruptcy means losing everything.

Myth: “If you file bankruptcy, you lose your house, car, and belongings.”

Fact: Most people who file bankruptcy actually keep their home, car, and personal property because the law provides protections called exemptions.

Bankruptcy is designed to give people a fresh financial start, not leave them with nothing.

If you’re dealing with credit card debt, medical bills, garnishments, or lawsuits, learning the facts can help you make better decisions.

Read more here:https://saxton.law/blog/2026/03/bankruptcy-myth-vs-fact-do-you-lose-everything/

03/15/2026

Most people worry about running out of money in retirement. But an interesting op-ed argues the opposite problem may be more common than we think: dying with too much left over.

A 2025 survey found 58% of Americans fear their retirement savings will run out, yet many retirees actually underspend and leave large balances behind. Financial planner Christine Benz argues that strict adherence to conservative withdrawal rules can mean someone who starts retirement with $1M could still end up dying with around $2M in the bank. (Newser)

Her point: if your goal is to help your family or favorite causes, it may be better to give while you’re alive—when you can see the impact.

Interesting perspective on retirement planning, legacy, and how we think about money.

Read the op-ed here:
https://www.newser.com/story/385197/op-ed-having-2m-in-the-bank-when-you-die-isnt-ideal.html

Christine Benz makes the case for making more monetary gifts while you're alive

02/04/2026

Legal problems are stressful enough—you shouldn’t feel confused about where to turn next. At Saxton Law, we focus on clear advice, honest expectations, and practical solutions that fit your real life. Whether you’re dealing with debt, financial setbacks, or planning for a more stable future, our goal is to help you move forward with confidence, not pressure.

You’ll speak directly with an attorney who listens first and explains options in plain language. No judgment, no rush—just a plan built around your needs.

Learn more about how we help Mississippi families get a fresh start:

We have helped thousands of individuals recover from crippling debt through bankruptcy discharges, IRS installment agreements, and Chapter 13 repayment plans.

11/19/2025

If debt has been weighing you down all year, imagine starting 2026 with ZERO credit card payments, no more collection calls, and a plan you can actually breathe under.

Our latest article breaks down why filing bankruptcy before the end of the year can stop garnishments, protect tax refunds, and help you rebuild your credit faster.

📘 Read the full article here:
👉 https://saxton.law/start-2026-clean-slate

If you're in Madison, Ridgeland, Brandon, Canton, or the Jackson Metro, we’re here to help you restart your financial life.

📞 (601) 790-0529 – Free consultations available.

11/06/2025

💡 Drowning in debt? You’re not alone — and there is a way out.

Bankruptcy is often misunderstood, but it’s not a failure. It’s a strategic reset — a legal tool designed to give you relief, protect your assets, and help you rebuild.

🎥 I just published this short video that breaks down:

✅ What bankruptcy really means
✅ How it can stop wage garnishments, collections, and lawsuits
✅ Why it might be the fastest path to a fresh financial start

If you’re feeling overwhelmed or stuck, this is worth your 3 minutes.

👉 Watch now and learn if bankruptcy might be the right option for your future.

Your fresh start could be just one step away.

📞 Have questions? Reach out to Randall Saxton to explore your options confidentially.

10/15/2025

The calls. The letters. The stress. 😓

Filing for bankruptcy can immediately stop most creditor actions — including wage garnishments, foreclosures, and lawsuits — thanks to the automatic stay.

If you live in Mississippi and need relief, this could be the lifeline you’ve been looking for. 🛡️

👉 Learn how it works: Read the full article https://saxton.law/blog/2025/10/will-bankruptcy-stop-creditors-from-calling-or-suing-me/

08/25/2025

Teachers: don’t leave money on the table! 🍎✏️

If you bought classroom supplies with your own money, you may be able to claim the Educator Expense Deduction at tax time.

What to know:
• Deduct up to $300 in unreimbursed classroom expenses (up to $600 if both spouses are eligible educators—$300 each).
• Eligible roles: K–12 teacher, instructor, counselor, principal, or aide who worked 900+ hours in a school year.
• Qualifying costs include professional development fees, books & supplies, computer equipment/software/services, other classroom materials, and COVID-19 protective items.
• Keep your receipts and note anything your school didn’t reimburse.

Get the details and see if you qualify ➜

https://www.irs.gov/newsroom/the-educator-expense-deduction-can-help-offset-out-of-pocket-classroom-costs

08/22/2025

Happy Friday! 🎉

If bills, lawsuits, or garnishments are weighing you down, take a few minutes today to find out whether bankruptcy is your best option. We’ll explain Chapter 7 vs. Chapter 13, timelines, and what fits your goals—no pressure, just answers.

Send us a message to schedule a quick, confidential case review.



We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

08/14/2025

🚫💸 Wage garnishment doesn’t have to control your paycheck.

Did you know that filing bankruptcy can stop wage garnishment immediately?

Our latest blog post explains how Chapter 7 or Chapter 13 bankruptcy protects your income and gives you a fresh financial start.

👉 Read more here: https://saxton.law/blog/2025/08/how-to-stop-wage-garnishment/

If you’re in the Jackson, MS metro area and facing garnishment, Saxton Law can help you take back control of your finances.

07/07/2025

Now is your best chance to find my book, Red Sky Warning, available for a promotional price at as part of their Annual Summer Sale! Find my book and many more at https://www.smashwords.com/books/view/657673 all month!

When Hudson Jones, a JAG attorney with ties to the CIA, learns of a friend’s victimization by a kidnap for ransom scheme in Eritrea, he unwittingly puts himself on a trajectory to prison break, revolution, and learning why ignoring the Constitution can be a slippery slope. In a country ravaged by ...