State Debt Laws
Mississippi Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Mississippi
Mississippi (MS) - At a Glance
| State Consumer Protection Law | Mississippi Consumer Protection Act |
| Source | Miss. Code ยง 75-24-1 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,000 in bank |
| Homestead Exemption | $75,000 |
Key Protections in Mississippi
- FDCPA applies to third-party collectors
- Consumer Protection Act bars deceptive practices
- Homestead exemption: $75,000
Wage Garnishment in Mississippi
After a court judgment, creditors in Mississippi can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Mississippi follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Mississippi
If a debt collector violates the FDCPA or Mississippi Consumer Protection Act:
- File with the Mississippi Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)
Mississippi Debt Resources
SoL
Mississippi Statute of Limitations
Credit card, medical, auto, and personal loan SoL in Mississippi.
View SoL →Free Tool
SoL Date Calculator
Calculate the exact SoL expiration date for your debt.
Check SoL →FDCPA
Federal Collector Rules
What debt collectors can and can't do under federal law.
Read Guide →