Mike T. Ramsey

Mike is a Gulf Coast native and has served as an Air Force reservist at Keesler Air Force Base since 2007. He focuses his practice primarily on bankruptcy and consumer litigation. He is dedicated to helping people in South Mississippi overcome financial hardships and stand up to banks, abusive creditors, and debt collectors.

Mike is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), a national organization dedicated to the practice of consumer bankruptcy law and to the protection of the rights of consumer debtors in bankruptcy. He has also been trained in Max Gardner's Bankruptcy Litigation Model, designed to help consumers fight back against creditors in bankruptcy. Mike is also a member of the Bankruptcy Local Rules Committee: an organization that discusses and establish local rules for the Bankruptcy Courts in the Northern and Southern Districts of Mississippi.

University of Mississippi School of Law

J.D. | Law

2012 - 2014

Air University

A.A.S. | Avionic System Technology

2013

Spring Hill College

B.A. | Philosophy

2006 - 2011

Sheehan & Ramsey, PLLC

Current

Mississippi Bankruptcy Conference Annual Conference 2021 - Case Law Update, Mississippi Bankruptcy Conference

November 18, 2021

The Mississippi Bar  # 104978

Member

Current

National Association of Consumer Bankruptcy Attorneys

Member

2015 - Current

Mississippi

The Mississippi Bar

Since 2015

• Free Consultation
• Contingent Fees
  Most consumer law cases are done on contingency. You pay nothing up front and we handle everything.

Q. Can I claim federal exemptions in chapter 7 bankruptcy?

January 7, 2022

A: I would recommend getting an attorney to help you with your bankruptcy. There are many good lawyers in North Carolina. To answer your questions, though, Vermont exemptions would be applicable under 11 USC 522. My research shows that Vermont does allow nonresidents to use their exemptions but it also permits non residents to use federal exemptions. You will have the option to chose federal or Vermont exemptions. Once you are in NC for 2 years, though, you are required to use their exemptions.

Q. What is the Statute of limitations in a auto-loan delinquency. The account was originally listed as “ “ “ charge off “

January 7, 2022

A: Statutes of limitations vary by state. For example in Mississippi, the statute of limitations on an auto loan deficiency is only one year. Under Colorado Revised Statute 13-80-103.5, the statute of limitations is 6 years. This runs from the date of the last payment. The fact that it is reported as a "charge off" does not affect the limitations period or the ability of the creditor to collect. Neither does the fact that the car was voluntarily repossessed. Many lawyers offer free consultations. I recommend calling around for a local attorney for more information.

Q. I had a credit card judgement placed on me in 2012 for $3.666 and am on ssi, the debt collector placed a lien on my home

January 7, 2022

A: If they took a judgment against you, the judgment acts as a lien against your property. You will not be able to sell the home without paying the lien off. There is a small possibility that they could exercise a sheriff's sale of the property but in my experience, that is unlikely with homestead property. In Arkansas, judgments are good for 10 years unless renewed. Pay attention for any notices that you may get and once the ten years has run, you may need to reach out to a local attorney to ensure that the lien is gone. If they reenroll the judgment, it's going to stay there for another 10 years, though. You may want to speak with a local attorney for more options. Most offer free consultations. ... Read More