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

Debt Collection

Wyoming 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 Wyoming: 7%

Wyoming Wage Protection: 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 Florida but currently live in Wyoming, the applicable statutes of limitations would be Florida's.)

Oral Agreements: 8 years
Written Contracts: 10 years
Promissory Notes: 10 years
Open Accounts (credit cards): 8 years

Bankruptcy Courts

Casper Office
111 South Wolcott
Casper, WY 82601
Phone: 307-232-2650

Cheyenne Office
2120 Capitol Ave
Sixth Floor
Cheyenne, WY 82001
Phone: 307-433-2200

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

Also, Wyoming 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 property you occupy to $10,000 or house trailer you occupy to $6000 (spouse or child of deceased owner may claim homestead exemption)
-Motor vehicle to $2400
-Bedding, furniture, household articles, and food to $2000 per person in the home
-Bible, schoolbooks, and pictures
-Burial plot
-Clothing and wedding rings to $1000
-Medical savings account contributions
-Prepaid funeral contracts

Insurance

-Fraternal benefit society benefits
-Annuity contract proceeds to $350 per month
-Disability benefits if clause prohibits proceeds from being used to pay beneficiary's creditors
-Group life or disability policy or proceeds, cash surrender and loan values, premiums waived and dividends
-Individual life insurance policy proceeds, cash surrender and loan values, premiums waived and dividends
-Life insurance proceeds held by insurer, if clause prohibits proceeds from being used to pay beneficiary's creditors

Public Benefits

-Crime victims' compensation
-General assistance
-Unemployment compensation
-Workers' compensation

Pensions

-Criminal investigators, highway officers
-Firefighters' death benefits
-Game and fish wardens
-Police officers
-Private or public retirement funds and accounts
-Public employees

Tools of Trade

-Library and implements of profession to $2000 or tools, motor vehicle, implements, team and stock in trade to $2000

Other

-Liquor licenses and malt beverage permits
 
 
 
 
 

 
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