Bill > HB6

This bill establishes a procedure for victims of identity theft to have debts incurred by the thief forgiven and removed from their credit reports. Identity theft is defined as using someone's personal information to obtain goods or money without permission. If a victim sends a certified letter to a creditor claiming a debt resulted from identity theft, requesting the debt be forgiven and reported to credit bureaus, and the creditor fails to act within sixty days, the victim can then petition a chancery court. To succeed in court, the victim must provide sworn evidence that they did not incur the debt, were unaware of it, reported the theft to law enforcement, and did not benefit financially from the debt. If the court is satisfied, it will order the creditor to release the victim from the debt and allow the victim to report this to credit bureaus for removal from their credit history. This law will take effect on July 1, 2026.

Justice

https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB0006.xml