How to Collect Your Judgment in Mississippi

A Mississippi judgment is enforceable for 7 years, and can be renewed before it expires. A judgment lien is good for 7 years from entry/enrollment (Miss. Code § 15-1-43). It may be renewed for additional 7-year terms, indefinitely, by filing a notice of renewal with the clerk of the rendering court before the current term expires; the notice must include an affidavit stating the debtor's name and last known address and the creditor's address (Miss. Code § 15-1-43).

Yes. Garnishment in Mississippi can reach Lesser of 25% of weekly disposable earnings OR the amount by which disposable earnings exceed 30x the federal minimum hourly wage — but wages are ENTIRELY EXEMPT for the first 30 days after service of the writ. Exemptions: Miss. Code § 85-3-4: wages are fully exempt from garnishment for 30 days from service of the writ; thereafter the maximum garnished is the lesser of 25% of disposable earnings or the amount over 30x the federal minimum wage. (Support orders follow higher federal CCPA percentages.)

Through Examination of Judgment Debtor by Judgment Creditor (Motion for examination of judgment debtor (Miss. Code §§ 13-1-261 to 13-1-271; no statewide self-help form)) — the court orders the debtor to appear and disclose their assets under oath. At any time after judgment, the creditor files a written motion in the court that rendered the judgment for an order requiring the debtor to appear and answer under oath about property, location of assets, and employment. The court issues an order to appear; the examination is conducted in that court.

A judgment becomes a lien on the debtor's real property in a county only when it is ENROLLED on that county's judgment roll by the circuit clerk (Miss. Code §§ 11-7-191, 11-7-195, 11-7-197). For property in another county, file a certified copy/abstract of the judgment with that county's circuit clerk to enroll it there. The lien lasts 7 years.

You pay the court and sheriff their own filing/levy fees directly (usually modest, and recoverable from the debtor). Our Judgment Collection service is a flat $299 — we prepare your Mississippi-specific enforcement forms and a step-by-step filing playbook; you file them. Compared with collection firms that take 33–50% of what they recover, that's hundreds to thousands less on a typical judgment.

Some debtors are "judgment-proof" — no job, no bank account, no equity — and no tool can squeeze money that isn't there. The honest play is the debtor's exam to confirm what exists, then keep the judgment alive (it lasts 7 years and is renewable) and try again when their situation changes. We give you the tools, not a guaranteed payout.