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Minnesota Consumer Rights Blog

What behaviors violate the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates how mortgage, medical billing and credit card companies may attempt to collect on a debt. It also prohibits collection agents from being allowed to use deceptive, abusive or unfair techniques to try to collect the money that you may owe them.

Debt collectors are restricted as to when or where they're allowed to contact you in an effort to collect on a debt. The FDCPA prohibits these individuals from attempting to collect money that you may owe them while at work, provided that you make it known to them that you're not authorizing them to contact you there.

When is repossession unlawful in Minnesota?

When you take out a loan in order to buy an expensive and important purchase such as a car or a truck, you will have a repayment plan that you must stick to in order to keep the vehicle. The small print in the credit agreement will outline the details of under what circumstances the lender is able to repossess the car.

Therefore, if you do miss some loan repayments due to financial hardship, you may worry that your beloved car is going to be taken away from you. This could have severe repercussions for your entire life, since you may depend on your car to get to work or to carry out your work. Therefore, it is important that you understand when repossession is unlawful in the state of Minnesota and when you can take action to get justice.

How to correct an inaccurate credit report

If there is a mistake made in your credit report, this can have a big impact on many aspects of your life. It could prevent you from getting certain jobs that require a credit check, or certain business or banking deals. Therefore, when a mistake is made through no fault of your own, it is important that you alert the credit reporting agency (CRA) so that it can be fixed as soon as possible.

When you contact the CRA to claim that there is a mistake in your report, they usually need to do some investigation in order to validate your claim. They do, however, have the legal obligation to either investigate the issue at hand, or delete the information completely from your file.

Minnesota issues warning about cryptocurrency fraud

Fraud and other dishonest business practices are certainly nothing new, and the practices seem to adapt to every era in human history. Fortunately, the detection methods that law enforcement agencies use to ferret out fraud also adapt with the times.

The Minnesota Commerce Department often issues advisories to investors and others in the state against new developments in fraudulent practices. Many people who feel they are less computer-literate than others require extra protections, as citizens who spend less time on the internet can still be susceptible to scams and identity theft on it.

What's considered to be a deceptive trade practice?

Both state and federal laws exist on the books aimed at protecting consumers from being taken advantage of by both retailers and manufacturers. The overwhelming goal in passing these laws was to dissuade the parties from making exaggerated or deceptive claims when either advertising or marketing their products.

A person or company that purposely misleads a consumer with the end goal of getting them to commit to buying either a service or product can be charged with deceptive trade practices under most any states' laws.

Taking legal action against robocalls

The Telephone Consumer Protection Act (TCPA) was put in place in 1991 to protect consumers who were negatively affected by the growing occurrence of marketing calls. The act has many different restrictions that still have the power to protect consumers from modern telephone marketing techniques such as robocalls.

If you are feeling harassed and are being disturbed by constant marketing calls in the form of automated calls, it is important to understand your rights and take action in order to protect yourself.

Signs of debt collector harassment in Minnesota

Debt collectors are required to follow the law known as the Fair Debt Collection Practices Act. This law helps to protect the public, also known as consumers, from unfair collection practices. Even with this law in place many debt collectors continue to use unfair practices to collect debt in Vadnais Heights, Minnesota. Here are some common signs of debt collector harassment you should be on the lookout for at all times.

A common harassment tactic is when debt collectors purposely set out to embarrass you. This is done by sending letters to you at home or at work that label you as a deadbeat. The letters might even be addressed to "deadbeat" instead of your legal name.

Getting justice after identity theft

Your identity and everything associated with it is something that you own, but it may not be tangible. Therefore, those wishing to steal the assets that are associated with your identity, or use your identity for their own personal gain, can do so by simply obtaining certain information about you.

This can be done through the stealing of credit cards, passports or even intercepting mail in order to obtain your bank details. It is becoming increasingly common for people to become victims of identity fraud over the internet, with many fraudsters tricking people into giving away their personal information.

Why do wrongful repossessions occur and what you can about them?

Most of us rely on our vehicles to get us around, whether it may be from home to school, from work to the store or anywhere else we need to go. Many of us couldn't fathom not having ready access to our automobiles.

We all have likely heard what happens if we miss a car payment, though. Your car can be repossessed.

New scammers impersonate Publishers Clearing House

If it's spring, then it must be time for the annual Publishers Clearing House sweepstakes. It's likely that both your brick-and-mortar mailbox and virtual inbox have been crammed with notifications that urge you to respond to the big giveaway.

If it seems as if you've gotten even more notices this year than in others, you may be onto something — a scam.

Get Answers To Your Questions

Contact the Consumer Justice Center. Tommy Lyons can speak with you in a free initial consultation arranged at 800-556-6752, toll free, or by email from wherever you are in the U.S.

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Consumer Justice Center P.A.
367 Commerce Court
Vadnais Heights, MN 55127

Toll Free: 800-556-6752
Phone: 612-200-1495
Fax: 651-704-0907
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