Before you file, just balance the filing ($338) and attorney fees ($1000-$1500) — plus the credit effects — against the fact that you eliminate the $6k debt.

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 29, 2025

When you receive a summons for a debt collection lawsuit, the most important step is to respond before the deadline listed on the document. Typically, you’ll have between 20 and 30 days to file a written “Answer” with the court. In your response, you can either deny the allegations, admit... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Sep 12, 2025

Start by gathering all evidence related to your arrest and the loss of your valuables. This includes arrest records, any documentation of your detention, bank statements showing unauthorized use of your debit card, witness statements, text messages, and any records of recovered property. Make a... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jun 11, 2025

You’ll want to start by gathering every piece of documentation you have—retainer agreements, billing statements, correspondence about the loan, and any evidence of how your lawyer handled or misused funds.

Next, consult with a legal-malpractice attorney to review whether your losses... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 15, 2025

Finding out about a wage garnishment without ever receiving notice is incredibly stressful, especially when you're trying to support your family. You have the right to understand how the judgment was entered and to challenge it if proper notice wasn’t given. If you were told not to attend... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 14, 2025

You don’t need to send a warning letter or demand notice before you initiate garnishment in Mississippi.

Under Mississippi law, once you have a valid judgment, you prepare and file a garnishment writ with the court clerk. You then serve that writ on the garnishee (your judgment debtor’s... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 11, 2025

It’s good that you’re being cautious—some of what you’ve described raises red flags. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to threaten legal action like a “search and seize warrant” or use intimidating legal language that misrepresents... View More

I don't see anywhere that you asked a question. You are correct - they are not going to accept as a minimum payment, anything that you can pay. A minimum payment is the minimum required for your account to remain current, or to not progress to the next step in the collection process. If you... View More

Since he has now filed for bankruptcy, you will need to pursue the matter through the bankruptcy court. I recommend that you consult a bankruptcy attorney to determine whether a proof of claim needs to be filed, to get you on the list of creditors, etc. Be aware that you will probably not receive... View More

Unless you personally guaranteed the loans, just say no.

In order to transfer the titles and deeds of property to another’s name after the death of the title owner, the estate will need to be probated so that the Court can issue an order allowing the transfer. The IRS can, of course, seize property to satisfy the tax debt; however, the question is... View More

Typically, the only way to stay out of court on an open account case is by bringing the account current or paying off the remaining amount owed on the account.

They can sue you and reduce their claim to judgment which can result in a judgment lien.

I am not admitted in Mississippi, but here in Florida it would not affect your owning your house free and clear because of our constitutional homestead protection; however, I cannot quote you the Miss.... View More

Once a judgment is entered, then they request review of all of your assets to collect on the judgment. That being said, if you have been summoned to appear and fail to do so, you may also be looking at criminal penalties.

Pleading guilty is the same as taking it to trial and being found guilty. That being said, the conviction itself is what you were sentenced to (jail time, fines, etc.).

Yes. Why? Because--unless the "rent to buy" contract you signed allows you to cancel the contract at anytime--and also requires Aaron's to come pick it up ate your convenience you are stuck with the furniture--and stuck with the contract too. Enjoy.

Whatever is charged by your municipality, as lawfully permitted by applicable public service commissions.

Tim Akpinar

What is your question?

3 years from the date of the initial charge; otherwise, it is considered an open account, at which point it tends to switch to the date of the last request for payment.

Yes; however, it depends on the exact circumstances in which the warrant was served.