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Can creditors refuse your DMP? Yes. Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them.
Your creditors are not obligated to accept your offer at any point. They can keep on refusing your payment offers as well as your requests to freeze interest.
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.
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.
Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them. You will have to put forward a firm and fair offer of payment to your creditors and outline how much you can afford to pay back each month.
Mississippi Resident Debt Relief. InCharge provides free, nonprofit credit counseling and debt management programs to Mississippi residents. If you live in Mississippi and need help paying off your credit card debt, InCharge can help you.
Sometimes a creditor will refuse to deal with a DMP provider. This could be because the creditor doesn't want to accept the reduced payments or sometimes it could be because they've objected to you using a fee-charging provider, which would mean there's less money to pay the debts you have with them.
When you work with a credit counseling agency, you'll meet with a counselor who will review your financial situation and help you understand your options. If a DMP is a good fit, the counselor can negotiate with your creditors on your behalf to create new payment plans.
The state's civil statute of limitations ranges from one to seven years, but most civil actions have a time limit of two years to file from the date of the (alleged) incident.
Your creditors do not have to accept your offer of payment or freeze interest. If they continue to refuse what you are asking for, carry on making the payments you have offered anyway. Keep trying to persuade your creditors by writing to them again.