Replace Text In Legal Mississippi Fair Debt Collections Forms For Free

Debt Validation Letter Example I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

The statute of limitations for debt collection under Mississippi law is typically 3 years but there are exceptions. If the statute of limitations has passed, you can no longer be sued for the debt and you can ignore the debt collector.

Debt collectors violate the Fair Debt Collection Practices Act (FDCPA) when they harass, oppress, or abuse you. It's harassment when debt collectors: Place repetitious phone calls or use electronic communications ? such as text, email, and social media messages ? intended to harass, oppress, or abuse you or any person.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

A person who believes that a debt collector has violated their rights under the FDCPA may bring a claim in state or federal court up to one year after the alleged violation. The statute allows damages of up to $1,000 per FDCPA violation, even without any proof of actual harm.

Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.