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DebtShield

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MS Debt Laws

Mississippi Debt Collection Laws

Know your rights in Mississippi. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

3 years

Credit card SOL

3 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Mississippi Collection Law

No specific state act — FDCPA applies

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Mississippi

Social Security
Workers' comp
Unemployment

Key Mississippi Protections

Short 3-year SOL for all debt types
$75,000 homestead exemption

Federal Laws (Apply in Mississippi)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Mississippi Debt Dispute Letter

DebtShield auto-cites Mississippi laws + FDCPA