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Credit Card Debt Consolidation Help  in Indiana
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!
 
 
 
Indiana  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 Indiana 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 Indiana  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Indiana consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Indiana.)

Debt Collection

Indiana (IN) follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

-Maximum Interest Rate a Collection Agency Can Charge in Indiana: 8%

Indiana Wage Protection: 75% of weekly disposable weekly earnings, or 30 times the federal minimum wage

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 currently live in Indiana, the applicable statutes of limitations would be Texas'.)

Oral Agreements: 6 years
Written Contracts: 10 years
Promissory Notes: 10 years
Open Accounts (credit cards): 6 years

Bankruptcy Courts

United States Bankruptcy Court
Northern District of Indiana
E. Ross Adair Federal Building and
United States Courthouse
1300 South Harrison Street
Fort Wayne, Indiana 46802

United States Bankruptcy Court
Northern District of Indiana
Robert K. Rodibaugh
401 South Michigan Street
South Bend, Indiana 46601

United States Bankruptcy Court
Northern District of Indiana
Charles A. Halleck Federal Building
230 North Fourth Street
Lafayette, Indiana 47901

United States Bankruptcy Court
Northern District of Indiana
5400 Federal Plaza
(Corner of Hohman Avenue and Douglas Street - across from St. Margaret's Hospital)
Hammond, Indiana 46320

Indianapolis Division
116 U.S. Courthouse
46 E. Ohio St.
Indianapolis, In. 46204

New Albany Division
110 U.S. Courthouse
121 West Spring Street
New Albany, IN 47150

Evansville Division
352 Federal Bldg.
101 Northwest Martin L. King Boulevard
Evansville, IN 47708

Federal Building
30 N. 7th Street
Terre Haute, IN 47808

Bankruptcy Exemptions

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 Indiana. For more information, follow this link: bankruptcy exemptions.

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

Real Estate, Auto, Personal Property

-Real or personal property as residence to $7,500
-$4000 of any tangible personal property and real estate, but homestead exemption plus this exemption cannot exceed $10,000
-Health aids
-Money in medical care savings account
-Spendthrift trusts
-$100 of any intangible personal property, except money owed to you

Insurance

-Employer's life insurance policy on employee
-Fraternal benefit society benefits
-Group life insurance
-Life insurance policy, proceeds, cash value, or avails if beneficiary is insured's spouse or dependent
-Life insurance proceeds if clause prohibits proceeds to be used to pay beneficiary's creditors
-Mutual life or accident proceeds

Public Benefits

-Crime victims' compensation, unless seeking to discharge the debts for which the victim was compensated
-Unemployment compensation
-Workers' compensation

Pensions

-Firefighters, police officers
-Public employees
-Public or private retirement benefits and contributions
-Sheriffs
-State teachers

Tools of Trade

-National Guard uniforms, arms, and equipment
 
 
 
 
 

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