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

Debt Collection

Mississippi 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 Mississippi: 8%

Wage Protection: 100% protection for 30 days; thereafter, 75% of disposable weekly earnings (after tax income) or 30 times federal hourly minimum wage, whichever is greater

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 California but currently live in Mississippi, the applicable statutes of limitations would be California's.)

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

Mississippi Bankruptcy Courts

United States Bankruptcy Court
Northern District of Mississippi
Thad Cochran U. S. Courthouse
703 Hwy 145 North
Aberdeen, MS 39730

100 East Capitol Street
Jackson, MS 39201

Dan M. Russell, Jr. U. S. Courthouse
2012 15th Street, Suite 244
Gulfport, MS 39501

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

Real Estate, Auto, Personal Property

-Property you own and occupy to $75,000 (mobile home does not count, property cannot exceed 160 acres and sale proceeds exempt)
-If over 60 and married or widowed may claim former residence
-Mobile home to $20,000
-Motor vehicle to $10,000
-Tangible personal property to $10,000: any item worth $200; furniture, dishes, kitchenware, household goods, appliances, 1 radio, 1 TV, 1 firearm, 1 lawn mower, clothing, wedding rings, tools of trade, books, crops, health aids, domestic animals (does not include works of art, antiques, jewelry besides wedding ring, or electronic entertainment equipment)


-Disability benefits
-Fraternal benefit society benefits
-Homeowners' insurance proceeds to $75,000
-Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors

Public Benefits

-Assistance to aged
-Assistance to blind
-Assistance to disabled
-Crime victims' compensation
-Workers' compensation


-ERISA-qualified benefits, deposited over year before filing
-IRAs, Keoghs, deposited over year before filing
-Firefighters (includes death benefits)
-Highway patrol officers
-Law enforcement officers' death benefits
-Police officers (including death benefits)
-Private retirement and disability benefits
-State employees
-Volunteer firefighters' death benefits


-Property of business partnership

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