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Credit Card Debt Consolidation Help  in Arkansas
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
Arkansas  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to Arkansas consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
Pertinent Arkansas  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Arkansas consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Arkansas.)

Debt Collection

Arkansas follows the set of laws that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

-Debt collector cannot send mail or telephone debtor at work unless a good-faith effort has been made to contact debtor at home and that effort has failed.

Arkansas Debt Law

Maximum Interest Rate a Collection Agency Can Charge in Arkansas: 6%

Arkansas Wage Protection: 100% protection for 60 days

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in Texas but live in Arkansas, the applicable statutes of limitations would be Texas'.)

Oral Agreements: 3 years
Written Contracts: 6 years
Promissory Notes: 6 years
Open Accounts (credit cards): 3 years

Bankruptcy Courts

U.S. Bankruptcy Court
P.O. Drawer 3777
Little Rock, AR 72201
(501) 918-5660

Divisional Office
Federal Building
35 E Mountain Street
Fayetteville, AR 72702
(479) 582-9800

S 6th Street & Rogers Avenue
Ft. Smith, AR 72901
(479) 783-6833

Bankruptcy Exemptions

Federal bankruptcy exemptions are available. Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of Arkansas. For more information, follow this link: bankruptcy exemptions.

Also, Arkansas is a tenancy by the entirety property state. Click here to learn about what this means if you have debt that's in only one spouse's name.

Real Estate, Auto, and Personal Property

-For married or head of family: unlimited exemption on real or personal property used as residence to acre in city, town, or village (otherwise up to 80 acres)
-For singles: real or personal property to $800
-Motor vehicle to $1,200
-Prepaid funeral trusts
-Wedding rings
-Implements, books, & tools of trade to $750
-For married or head of household: $500 of any other personal property
-For singles: $200 of any other personal property


-Annuity contract
-Disability benefits
-Fraternal benefit society benefits
-Group life insurance
-Life, health, accident, or disability cash value or proceeds or due to $500
-Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
-Life insurance proceeds or avails if beneficiary isn't insured
-Mutual assessment life or disability benefits to $1,000
-Stipulated insurance premiums


-Disabled firefighters
-Disabled police officers
-IRA deposits to $20,000 if deposited over 1 year before filing bankruptcy
-Police officers
-School employees
-State police officers

Public Benefits

-Crime victims' compensation
-Unemployment compensation
-Workers' compensation

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