How to Find Debt Relief in Louisiana

The famous French Quarter is home Mardi Gras in New Orleans, Louisiana

In 1803, the French sold what became the state of Louisiana to President Thomas Jefferson in what became known as the Louisiana Purchase.

In its dubious history, Louisiana and more specifically the city of New Orleans was the biggest for slave trading in the United States before the Civil War. And even after the end of the war, Louisiana remained resistant to allowing slaves to be free.

Activism and leadership in the 1960s brought national attention to African-American disenfranchisement and helped pass the Civil Rights Act of 1964 and the Voting Rights Act of 1965.

Today, the state has evolved and is known for sugar production and partying. Mardi Gras held annually invites people from across the globe to eat, drink and be merry in the streets of New Orleans and the French Quarter.

The state with large cities such as Baton Rouge is also a feast for music lovers and jazz was said to have been born in the state.

The Overall Debt Situation in Louisiana

Louisiana ranks 25th in the nation in credit card debt at $7,260 per household. However, the state’s credit card score is 650, a massive 19 points lower than the national average.

The median household income is just over $46,000 according to the census bureau. The state debt per capita was $3,768. This ranked Louisiana 18th among the states in debt and 19th in per capita debt. In addition, the average Louisiana student could also use help with debt protection as each student owes nearly $33,000 in debt.

Louisiana Debt Fast Facts

  • Population: 4.68 million
  • Median Household Income: $46,145
  • Average Credit Score: 650 (the national average is 669)
  • Average Credit Card Debt: $7,260
  • Average Student Loan Debt: $32,650
  • State Debt Total: $18.6 billion

Debt Relief Laws That Protect Louisiana Residents

Disclaimer: The information shared herein is intended to be a free resource for Louisiana consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Louisiana has long been known for passing debt resolution laws that aggressively protect its citizens.

If you are embroiled in a deepening debt situation in Louisiana, Resolvly can help find an expert team of seasoned debt resolution lawyers to get debt advice that might eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Louisiana residents specifies how to eliminate debt by enforcing your consumer rights against harassing debt collectors. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Louisiana locals in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt resolution company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Louisiana residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA) which can protect consumers against credit card debt becoming a lawsuit. The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

There are other debt collection acts unique to the state of Louisiana that a debt resolution attorney can use to defend you in case of a debt lawsuit.

Let Resolvly Find The Right Debt Relief Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make it go away. Utilizing the legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and debt resolution.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to help dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and debt resolution. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 844-479-3457 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

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