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Mississippi Consumer Law Questions & Answers
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?
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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

Q: Time to file lawsuit after Notice of Claim with state employees and HUD issues in MS

I was evicted in November 2024 in Mississippi after issues began in April 2024. I filed a Notice of Claim with management, who handle HUD funds, on March 10, 2025, regarding their failure to enforce HUD Rules and Regulations for all tenants. The Federal Agency is investigating potential fraud by... View More

James L. Arrasmith
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answered on Apr 13, 2025

In Mississippi, after filing a Notice of Claim against state employees, you typically need to wait 90 days before you can file a lawsuit. This waiting period allows the state to investigate and potentially resolve the issue without court intervention. If the management or the state fails to respond... View More

1 Answer | Asked in Consumer Law and Contracts for Mississippi on
Q: Tire company withdrawing money daily without consent. Legal options?

I recently bought a set of tires for my boyfriend's truck with a weekly payment plan of $67.90. Before the first payment was due, I requested to switch to a bi-weekly payment schedule, as I discovered my new job pays me bi-weekly, but the tire company refused unless I made one weekly payment... View More

James L. Arrasmith
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answered on Apr 12, 2025

It sounds like you are dealing with a difficult situation where the tire company is not following the agreed terms and is acting inappropriately by attempting to withdraw money daily. Here's how you can approach this issue:

First, it’s important to review any paperwork or agreements...
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1 Answer | Asked in Landlord - Tenant and Consumer Law for Mississippi on
Q: Was my car's towing from the apartment complex without notification legal in Mississippi?

My vehicle was towed without notification from my apartment complex in Mississippi. There are no signs about towing, only a lease agreement mentioning towing for illegal parking. I was parked on the line, and I received no prior warnings. Is this legal?

James L. Arrasmith
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answered on Apr 12, 2025

I'm sorry to hear about your experience. In Mississippi, the legality of towing your vehicle without prior notice depends on several factors, including your lease agreement and the presence of proper signage.

**Lease Agreement and Signage**: If your lease agreement includes clauses...
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1 Answer | Asked in Identity Theft, Tax Law and Consumer Law for Mississippi on
Q: W2 submitted in maiden name; IRS processing issue

I discovered that someone submitted a W2 in my maiden name to the IRS. I've contacted the IRS, but they said they can't take any action as it's currently being processed. I've also tried reaching out to the company that issued the W2, but they don't have a contact number.... View More

James L. Arrasmith
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answered on Apr 12, 2025

First, it’s a good move that you contacted the IRS already. Even though they said they can’t act while it’s processing, it’s important that there’s now a record of your concern. Keep any reference numbers or notes from that call in case you need to follow up later. Also, make sure your... View More

1 Answer | Asked in Contracts, Business Law, Consumer Law and Civil Litigation for Mississippi on
Q: What legal actions can I take for breach of contract and misrepresentations affecting my business?

I had a company offer my company a product at an agreed-upon price, and after I sent payment, they changed the price and never sent the product. This was about three weeks ago. We communicated through text messages to agree on the price. After I canceled the payment, the company offered to send the... View More

James L. Arrasmith
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answered on Apr 11, 2025

That’s incredibly frustrating, especially when you acted in good faith and were relying on this product to meet your own business obligations. In Mississippi, a clear agreement—like the one you made through text messages—can form a legally binding contract if there was an offer, acceptance,... View More

1 Answer | Asked in Collections and Consumer Law for Mississippi on
Q: Received a debt collection notice from CashNet USA, concerned about its legitimacy.

I received a communication from CashNet USA stating that I owe $1,240.25, with a settlement offer of $797.45, and they mention an active warrant for search and seize under 15 USC 1692g Sec. 809(b) of the FDCPA. I'm aware of the debt, but I'm concerned about this message's legitimacy,... View More

James L. Arrasmith
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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

1 Answer | 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

James L. Arrasmith
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answered on Mar 24, 2025

You're in a frustrating situation that needs immediate action to protect your finances and credit score. Document everything – keep that cancellation email, take photos of the equipment, and record all attempts to contact the company and return their items. These will be crucial evidence if... 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, 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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