Middleton & Tinsley Law Firm, PLLC

Middleton & Tinsley Law Firm, PLLC

We help people with garnishments, foreclosures, repossessions, lawsuits, or just plain old harassment from creditors. Also, after your bankruptcy is filed, we show you how you can restore your credit score.

Firm Overview

Middleton & Tinsley Law Firm helps people with garnishments, foreclosures, repossessions, lawsuits, or just plain old harassment from creditors.

Our firm will help you obtain the debt relief that you need, and also will show you how you can restore your credit score. We do this every day.

Middleton & Tinsley offers free consultations to review your finances and show you your options.
Main Office
Main Office
2604 West Main Street, Suite C.
Post Office Box 3129
Tupelo  MS  38803
  • (662) 205-4749
  • (662) 269-2424
When confronted with legal problems, you need someone you can trust that is dedicated and committed to your needs. We will:

1. listen intently to your concerns,
2. offer sound advice, and
3. guide you through the bankruptcy process.
We offer assistance with chapters 7, 11, & 13 bankruptcy filing and litigation.

Most bankruptcy clients are suffering from life changes (such as divorce), medical debt, or loss of employment. Bankruptcy lawyers can help. Whether involved in big business or in simply holding a job and providing for your family, we are the bankruptcy attorneys that can give you the right advice.

Times can be bad for those with mortgages, credit cards, auto loans, and other types of debt. Do not put up with: 1) harassing creditor calls, 2) foreclosure of your home or eviction, 3) court judgments, 4) repossession of vehicles, and other possessions, and 5) garnishments. Filing bankruptcy in Tupelo, MS may be one of the best choices you can make if you are struggling.

We can help stop creditor harassment immediately. You will be able to focus on your job and family again. We can stop most foreclosures, repossessions, lawsuits, and garnishments.

At Middleton & Tinsley Law Firm we can offer practical and oftentimes immediate solutions to the economic and financial problems facing ordinary Mississippians.

We will carefully evaluate your individual financial situation, and discuss alternatives ranging from debt re-organization, asset protection and, if required, bankruptcy.

With the help of Middleton & Tinsley Law Firm, you can take back control of your financial future.

Is Bankruptcy Right for You?

* Are you taking money from your 401k or other retirement fund to pay debts?
* Do you have a high amount of unsecured debt, including credit cards?
* Are you unable to reduce your total debt most months?
* Is your property going to be foreclosed on?
* Do you have any judgments against you?
* Is the repo man looking for your car?
* Are your creditors harassing you?
* Are you having IRS problems?
* Do you owe medical bills?

If you have answered "Yes" to any of these questions, Bankruptcy may be your best option. To find out now, call Middleton & Tinsley Law Firm for a free evaluation with a bankruptcy attorney.

Benefits of Bankruptcy

Most consumers seek relief under either Chapter 7 or Chapter 13 the Bankruptcy Code. Although each situation is different, an average person with few or no valuable assets would prefer Chapter 7 bankruptcy. Chapter 13 bankruptcy is a reorganization of debts.

Usually people keep their home and vehicles in bankruptcy.

Businesses seeking relief under the bankruptcy code often file under Chapter 11, although some choose to file under Chapter 7 or Chapter 13.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy protection allows debtors to get rid of most debts and start over with a clean slate. Chapter 7 is the process by which unsecured debts (credit cards, medical bills, signature loans, etc.) are eliminated (also called "discharged"). Secured debts (debts guaranteed by land, a car title, jewelry, etc.) can be reaffirmed under certain conditions. A majority of our clients keep their homes and cars in a


You must prove eligible to file a Chapter 7 bankruptcy, but most of our clients do. A complicated calculation called the "means test" is performed to determine eligibility.

Do not worry about the test, we perform the calculations for you, and a great majority of our clients do qualify. Debtors that fail to meet the requirements of a Chapter 7 bankruptcy often file a Chapter 13 bankruptcy (often called a "repayment plan").

There are also special exceptions for veterans, the elderly, and those with debt that primarily came from operating a business.


Bankruptcy law protects some kinds of property through exemptions and they can include your home, automobile, spouse or minor children's automobiles, certain personal property, wildcard exemptions (a catch-all for property that doesn't fit into a designated category), tools of the trade (such as mechanic tools, a work van, or other items needed to allow you to make an income after the bankruptcy), and even your wedding and engagement rings.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is often called a "repayment plan." If you are behind on payment of secured debt (debts guaranteed by your home, land, a car title, jewelry, etc.), and have a regular source of income, it allows you to get caught up over a three to five-year period.

Unlike Chapter 7 bankruptcy, where most of your unsecured debt (credit cards, medical bills, signature loans, etc.) is cancelled, in a Chapter 13 bankruptcy you may have to pay pennies on the dollar to unsecured creditors. Some clients pay nothing to unsecured creditors. It all depends on your income

The repayment plan is the most important part of your Chapter 13 paperwork. Your repayment plan will describe in detail how (and how much) you will pay each of your debts. The plan will provide for the payment of arrearages (the amount by which you've fallen behind in payments), and allows payment of the arrearage in three to five years.

How did your firm decide on the primary area of practice(s)?

Our office is dedicated to helping people regardless of whether you are facing serious legal, physical, or financial difficulties. We care deeply about our client's needs, and treat each client with respect regardless of your individual situation.

Dalton Middleton

  • Bar Number: 103781
    Mississippi , 2011
  • Wood Junior College
    Associate of Applied Science , 1989
  • Mississippi State University
    Bachelor of Business Administration , 1991
    Major: Marketing
    Minor: Finance
  • Mississippi State University
    Master of Science in Business Administration , 1993
    Major: Management Information Systems
    Minor: Finance
  • University of Mississippi School of Law
    Juris Doctor , 2011

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