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Louisiana Debt Relief
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Louisiana Debt Relief


Louisiana Credit Card Debt law allows a comparatively short time for creditors to file suit for unpaid open-ended credit card accounts. This time limit is called the Statute of Limitations (SOL). It begins the day of the first missed payment and ends 3 years later. However, if a debtor makes a partial payment, the SOL begins again from the date of the payment. Louisiana defendants are given 30 days to answer a summons, unless the summons stipulates otherwise. Answers should be sent by certified mail to ensure timely delivery and avoid default judgment.

Judgment Enforcement

Louisiana judgments can be enforced for 10 years and are renewable in 10-year terms indefinitely. Interest on the judgment is 9% per year and subject to change. Filing the judgment in the Parish where the debtor’s real property is located will place a lien lasting 10 years. The lien must be reinscribed before the 10 years expires to continue. The creditor may also levy non-exempt personal property and execute garnishment of wages.

In general, debtors may claim homestead up to $25,000. Special circumstances may allow exemption of the entire value, such as a catastrophic injury or terminal illness. Wages may be garnished up to 25% of disposable income, but retirement funds are not included as income.

Louisiana consumers should be careful when signing credit agreements because the state recognizes “judgment by confession” clauses, contract language that binds the debtor to an admission of debt (judgment) without a court ruling.

Debt Settlement

Consumers should look into Debt Settlement as a way to structure a more flexible payment plan instead of allowing courts to decide a payment schedule for them. Instead of paying judgment interest, consumers can make interest free payments and avoid bankruptcy.

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Louisiana Debt Relief by County
Acadia County Debt Relief Iberia County Debt Relief Saint Bernard County Debt Relief
Allen County Debt Relief Iberville County Debt Relief Saint Charles County Debt Relief
Ascension County Debt Relief Jackson County Debt Relief Saint Helena County Debt Relief
Assumption County Debt Relief Jefferson County Debt Relief Saint James County Debt Relief
Avoyelles County Debt Relief Jefferson Davis County Debt Relief Saint Landry County Debt Relief
Beauregard County Debt Relief La Salle County Debt Relief Saint Martin County Debt Relief
Bienville County Debt Relief Lafayette County Debt Relief Saint Mary County Debt Relief
Bossier County Debt Relief Lafourche County Debt Relief Saint Tammany County Debt Relief
Caddo County Debt Relief Lincoln County Debt Relief St John The Baptist County Debt Relief
Calcasieu County Debt Relief Livingston County Debt Relief Tangipahoa County Debt Relief
Caldwell County Debt Relief Madison County Debt Relief Tensas County Debt Relief
Cameron County Debt Relief Morehouse County Debt Relief Terrebonne County Debt Relief
Catahoula County Debt Relief Natchitoches County Debt Relief Union County Debt Relief
Claiborne County Debt Relief Orleans County Debt Relief Vermilion County Debt Relief
Concordia County Debt Relief Ouachita County Debt Relief Vernon County Debt Relief
De Soto County Debt Relief Plaquemines County Debt Relief Washington County Debt Relief
East Baton Rouge County Debt Relief Pointe Coupee County Debt Relief Webster County Debt Relief
East Carroll County Debt Relief Rapides County Debt Relief West Baton Rouge County Debt Relief
East Feliciana County Debt Relief Red River County Debt Relief West Carroll County Debt Relief
Evangeline County Debt Relief Richland County Debt Relief West Feliciana County Debt Relief
Franklin County Debt Relief Sabine County Debt Relief Winn County Debt Relief
Grant County Debt Relief