If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives: 
(866) 910-9081

We specialize in:

• Unsecured credit card debt
• Medical bills
• Department store accounts
• Furniture loan payments
• Signature loans
• Overdraft agreements
• Collection accounts
• Balances owed on repossessions
• Old utility bills

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives:  (866) 910-9081

Important  Indiana Debt Settlement and Debt Consolidation Laws.

(Note: This is only to be used as an informational debt resource for residence of Indiana and should not be considered and does not constitute legal advice.  If you are looking for legal advice contact a licensed attorney in Indiana)
Debt Collection

Indiana (IN) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts.  These laws are known as the Fair Debt Collection Practices Act (FDCPA).  More information about the FDCPA can be found here. If you think that creditors are illegally harassing you, you are legally allowed to tape record the conversation with out getting the permission of the debt collector.
If you are being harassed contact the Consumer Affairs Division


The Maximum Interest Rate a collection agency can charge in Indiana is 8%

Indiana has set its wage protection to 75% of weekly disposable earnings, or 30 times whatever is the federal minimum wage.


Statue of Limitations.

The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated.  With debt, the statues of limitation apply to the time period after you have become past due on your payments.  In other words.  You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 6 years
Written Contracts are 10 years
Promissory Notes are 10 years
Open Accounts (credit cards) are 6 years

Bankruptcy Courts

United States Bankruptcy Court
Northern District of Indiana
E. Ross Adair Federal Building and
United States Courthouse
1300 South Harrison Street
Fort Wayne, Indiana 46802

United States Bankruptcy Court
Northern District of Indiana
Robert K. Rodibaugh
401 South Michigan Street
South Bend, Indiana 46601

United States Bankruptcy Court
Northern District of Indiana
Charles A. Halleck Federal Building
230 North Fourth Street
Lafayette, Indiana 47901

United States Bankruptcy Court
Northern District of Indiana
5400 Federal Plaza
(Corner of Hohman Avenue and Douglas Street - across from St. Margaret's Hospital)
Hammond, Indiana 46320

Indianapolis Division
116 U.S. Courthouse
46 E. Ohio St.
Indianapolis, In. 46204

New Albany Division
110 U.S. Courthouse
121 West Spring Street
New Albany, IN 47150

Evansville Division
352 Federal Bldg.
101 Northwest Martin L. King Boulevard
Evansville, IN 47708

Federal Building
30 N. 7th Street
Terre Haute, IN 47808

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your IN. state attorney general,

	Steve Carter (R)	(317) 232-6201
Indiana Government Center South - 5th Floor, 402 West Washington Street, Indianapolis, IN 46204 http://www.in.gov/attorneygeneral/