Mississippi Judgment Enforcement Guide | Debt Collection & Skip Tracing

Mississippi Judgment Enforcement — Quick Facts

7 yrs

Judgment Lifespan

3 yrs

Debt SOL (Written)

Post-Judgment Interest

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COMMUNITY PROPERTY STATE

Mississippi has a short 3-year statute of limitations on most contract debts and a 7-year judgment lien. Post-judgment interest accrues at 8%. While wage garnishment is allowed, Mississippi has generous homestead protections for primary residences.

Mississippi Statute of Limitations on Debt

Debt Type	Limitation Period	Statute
Written Contract	3 years	`Miss. Code §15-1-49`
Open Account / Credit Card	3 years	`Miss. Code §15-1-29`
Oral Contract	3 years	`Miss. Code §15-1-49`
Promissory Note	3 years	`Miss. Code §15-1-49`
Judgment Lien	7 years (renewable)	`Miss. Code §15-1-43`

Mississippi’s 3-year SOL is short. Creditors must file suit promptly after default or risk losing the ability to enforce the underlying debt.

Post-Judgment Interest Rate

Mississippi post-judgment interest accrues at 8% per annum under Miss. Code §75-17-7. Interest is simple from the judgment date.

Judgment Recovery Methods in Mississippi

Wage Garnishment yes

Mississippi permits wage garnishment of 25% of disposable earnings under Miss. Code §85-3-4. Garnishment summons is served on the employer after judgment.

Bank Account Levy yes

Bank account garnishment is available after judgment under Mississippi Rules of Civil Procedure. Financial institutions must respond to garnishment writs.

Abstract of Judgment / Lien yes

Filing an enrolled judgment in the circuit court creates a lien on all non-exempt real property in that county (Miss. Code §11-7-189).

Turnover Order limited

Mississippi courts may compel post-judgment examination under supplemental proceedings to identify and recover non-exempt assets.

Writ of Execution yes

Writs of execution (fi. fa.) allow the sheriff to levy on non-exempt personal property (Miss. Code §13-3-117).

Vehicle Levy yes

Vehicles are generally subject to execution in Mississippi subject to standard exemption limits. No specific vehicle-only exemption statute.

Debtor Exemptions

Asset Type	Exemption Amount	Statute
Homestead	$75,000	`Miss. Code §85-3-21`
Personal Property	$10,000 general	`Miss. Code §85-3-1`
Wages	75% of disposable earnings	`Miss. Code §85-3-4`
Retirement	All ERISA-qualified plans	`Miss. Code §71-1-43`
Tools of Trade	$10,000	`Miss. Code §85-3-1`

Judgment Value Calculator

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Official Mississippi Resources

Mississippi Courts – Case SearchCivil case lookup statewide Mississippi SOS – Business Entity SearchEntity & registered agent lookup Mississippi Circuit Court Clerk – Judgment RecordsEnrolled judgment & lien filings Mississippi Code Annotated – LegislatureOfficial state statutes

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Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Mississippi attorney before taking collection action.