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Mississippi Consumer Law Questions & Answers
0 Answers | Asked in Consumer Law and Banking for Mississippi on
Q: Charged after canceling phone service; fees & credit concern

I signed up for a new phone service on March 2, 2025, and canceled on the same day. I received email confirmation of the cancellation, but two days later, the service provider charged my bank card $112. They are now claiming that I owe $1,670.34 for equipment and $237 for a month's service,... View More

0 Answers | Asked in Consumer Law for Mississippi on
Q: Price of 2016 Ford Explorer with 183k miles in Mississippi with 28.76% APR financing?

I am inquiring about how much a dealer in Mississippi can sell a 2016 Ford Explorer with 183,000 miles in fair condition. The vehicle is being financed with an APR of 28.76%. Are there typical prices or guidelines for this scenario in Mississippi?

0 Answers | Asked in Admiralty / Maritime, Consumer Law, Contracts and Personal Injury for Mississippi on
Q: How to proceed with a Pro Se complaint for a used boat purchase issue in Mississippi?

I purchased a used boat "As Is" with no warranty from a dealership in Mississippi. The boat sank the first time I put it in the water. The insurance company won't cover the incident, citing maintenance issues like a missing boat plug, a non-working bilge, and other maintenance... View More

0 Answers | Asked in Consumer Law and Traffic Tickets for Mississippi on
Q: How to resolve a 2014 no insurance ticket with documentation in Mississippi?

In 2014, I received a no insurance ticket while my vehicle insurance was under my father's name. Recently, this ticket resurfaced, and they are asking me to pay $500, despite having documentation proving the insurance coverage. I have contacted the DMV/court, but they still require payment.... View More

0 Answers | Asked in Real Estate Law, Landlord - Tenant and Consumer Law for Mississippi on
Q: Is it legal to tow my car from private property without notice in MS?

My car broke down and was parked on the property of a nursing comfort care establishment. I was allowing my uncle to inspect the car over the week to try to get it running again. However, I found out that my car was towed without any notice being given, and there were no signs about towing policies... View More

0 Answers | Asked in Consumer Law and Public Benefits for Mississippi on
Q: Can a hospital garnish my tax refund for unpaid medical bills in Mississippi?

Can a hospital garnish my income tax refund in Mississippi for unpaid medical bills that are over 60 days old? I haven't been able to negotiate due to financial constraints.

0 Answers | Asked in Consumer Law, Insurance Bad Faith and Insurance Defense for Mississippi on
Q: Denied insurance claim for stolen truck due to exclusions.

I was out hunting and left my keys in the console with the doors unlocked, which led to my truck being stolen. Despite having full coverage, my insurance company denied my theft claim, citing exclusions in my policy. I haven't been able to get my agent or the adjuster to return my calls.... View More

1 Answer | Asked in Civil Rights and Consumer Law for Mississippi on
Q: Is the gramm leach bililey act 1974 mean that companies or employers have straight rules to follow like falseadvertisem

The game apps on everybody's phone misleads people and has false advertisement and under the code 15 U.S.C 1125 a directly says that they're not allowed to for have any false advertisement or mislead any people under that is violating people's civil rights so just look at this and... View More

James L. Arrasmith
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answered on Feb 8, 2025

You're raising an important concern about false advertising in mobile apps and whether there is a legal case against them. The Gramm-Leach-Bliley Act (GLBA) of 1999 mainly deals with financial institutions and how they handle consumer data. It does not directly regulate false advertising or... View More

1 Answer | Asked in Consumer Law, Criminal Law, Traffic Tickets and Civil Rights for Mississippi on
Q: Can you refuse to ID at a Saftey Checkpoint if you haven’t committed or are not under suspicion of committing a crime?
James L. Arrasmith
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answered on Jan 5, 2025

Whether you can refuse to show identification at a safety checkpoint depends largely on the location and the specific regulations in place. In many places, especially at airports, government buildings, or during certain events, security personnel are authorized to request ID to ensure... View More

1 Answer | Asked in Consumer Law, Business Law and Collections for Mississippi on
Q: I'm being sued by discover bank on a credit card debt I experienced a financial hardship and was unable to pay.

When I tried to pay them there was this ridiculous amount they requested as a minimum and wouldn't allow me to pay what I could at the time.

Barry W. Kaufman
Barry W. Kaufman
answered on Oct 20, 2024

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

1 Answer | Asked in Consumer Law for Mississippi on
Q: My vehicle has been at a Chevrolet dealership for over 3 months while there it has been broken into .

And the police told me that it was turned over when it should not of been able to crank. Now they are telling me that it is ready but when I test rode it it is not fixed properly.

James L. Arrasmith
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answered on Jun 10, 2024

If your vehicle has been at a Chevrolet dealership for over three months and was broken into while there, it's crucial to address this issue with the dealership management. Clearly explain the situation, emphasizing that your vehicle was broken into on their premises and that the police... View More

1 Answer | Asked in Consumer Law, Contracts, Civil Rights and Landlord - Tenant for Mississippi on
Q: My lessor has been entering my home without warning or notification. Is this legal?
James L. Arrasmith
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answered on Feb 24, 2024

No, it's not legal for your lessor to enter your home without warning or notification. As a tenant, you have the right to privacy and peaceful enjoyment of your rented space. Landlords are typically required to provide reasonable notice before entering your home, except in cases of emergency.... View More

1 Answer | Asked in Consumer Law, Collections and Car Accidents for Mississippi on
Q: How do i pursue action against auto body shop that cashed insurance check and has now filed bankruptcy

My car was involved in an accident in Sept and went to a insurance agent referred shop. The shop owner gave the runaround about waiting for parts for two months. Finally the shop owner said he had 95% of parts and would work on the car. The next month the owner claimed his shop was closing. Fast... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Jan 23, 2024

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

1 Answer | Asked in Consumer Law, Contracts and Real Estate Law for Mississippi on
Q: Would this be a break in the Title Chain?

I completed a sale contract as a buyer with my realtor to buy a home from the seller who had a broker. In the contract I request both my sister and I to be on the warranty deed. Signing the Closing Disclosures I was the only one listed as borrower, no Co-Borrower. My Sister signed a non applicant... View More

Anthony M. Avery
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answered on Dec 18, 2023

The Deed of Trust has nothing to do with the Title. Somebody thinks your Sister is either a tenant in common, an occupant or a notemaker. So they required her signature also on the TD. If wrong, you should not have executed the transfer.

1 Answer | Asked in Consumer Law and Banking for Mississippi on
Q: If the bank who I make my car payment to system rejects my payments and I’m not notified for months can they repo my car

The month I bought my car my credit union was bought out. I got welcome packet. It said I needed to do nothing and the transition would be uneventful. I noticed the first two payments were not made so I went into branch, paid them and made sure it would be deducted monthly. I change banks and set... View More

James L. Arrasmith
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answered on Nov 12, 2023

In your situation, the potential for repossession depends on the terms of your loan agreement and the bank's policies. If the bank's system rejected your payments and you were not notified for months, you may have grounds to dispute the repossession.

It's important to...
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1 Answer | Asked in Consumer Law for Mississippi on
Q: Can’t get a title from dealership.

Bought vehicle sept. 5th and can’t get a title from the dealership. Excuse after excuse. They have even been contacted by Mississippi title registrar. Do I have any options?

T. Augustus Claus
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answered on Oct 26, 2023

Contact the Dealership: Keep reaching out to the dealership, request a clear timeline for the title's delivery, and document all your communication.

Mississippi Title Registrar: Since the title registrar has been involved, continue working with them to exert pressure on the dealership...
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1 Answer | Asked in Consumer Law, Appeals / Appellate Law and Education Law for Mississippi on
Q: Can you appeal a school Board's decision of a district transfer in Ms?

My child goes to the public school here in the It's state grade rank is F. They do not learn anything from the teachers bc the students are so out of control during class. My kids come home crying every day bc they're being bullied or harassed by other students, mainly racial slurs bc... View More

T. Augustus Claus
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answered on Jul 14, 2023

it may be possible to appeal a school board's decision on a district transfer. Start by reviewing the school district's transfer policy and procedures. If the district has an appeals process, follow the specified steps and deadlines to submit a formal appeal.

1 Answer | Asked in Consumer Law for Mississippi on
Q: Should I pay for a canceled order that was delivered?

I accidentally ordered an item from an online seller and requested for a cancellation. The seller acknowledged my request and refunded the payment. They also sent me an email to verify that my item was canceled and my refund is being processed. The following week, the item I thought I canceled... View More

Tim Akpinar
Tim Akpinar
answered on Apr 14, 2023

A Mississippi attorney could advise best, but your question remains open for four weeks. No one here could make a decision for you, but the decent thing to do would be to return the item. The seller showed good faith in returning your payment. It sounds like the item was shipped in error, and not... View More

1 Answer | Asked in Consumer Law, Foreclosure, Land Use & Zoning and Real Estate Law for Mississippi on
Q: if we are paying a mortgage are we suppose to be listed in public records as the owner?

i was looking at my appraisal documents and it has some other people as owners in public record.

Anthony M. Avery
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answered on Nov 16, 2022

Just because you are paying the Note does not make you a titled owner of land. Hire an attorney to search the Title and determine ownership.

1 Answer | Asked in Consumer Law, Contracts and Personal Injury for Mississippi on
Q: What type of lawyer can handle seven different areas of law? Mainly around consumer rights.

I had an accident on May 15th and I have several issues with the procedures and what has stemmed from the aftermath. In regards to my finance company, previously lawyer and the insurance company. And they all have different areas of law. So I'm reaching out to try to find a lawyer that can... View More

Tim Akpinar
Tim Akpinar
answered on Sep 3, 2022

A Mississippi attorney could advise best, but your question remains open for four weeks. It might be difficult to find an attorney who meets all seven areas of law on your list, depending on what they are. Instead, it might be easier to find an attorney who deals with the major areas of importance.... View More

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