If you own a health care practice in Minnesota, you may have heard about a new ruling by the TCPA. The Telephone Consumer Protection Act has been designed to minimize the number of unwanted spam calls that reach phone users on a day-to-day basis. This Act will have an...
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Minnesota Consumer Rights Blog
Do I have legal protections against robocalls?
A robocall is a phone call that uses a computerized auto-dialer to send pre-recorded messages to recipients. While sometimes annoying, there is nothing inherently illegal about robocalling alone. There are many legitimate uses of robocalling. You may get a robocall to...
What to do if you’re a victim of credit score damage in Minnesota
Fraudsters in Minnesota are getting cleverer every day. Lots of people are victims to credit card identity theft. Here’s what you can do to mitigate the damage if your credit card is affected. Step 1. Report the crime The first thing you need to take is to report the...
Disputing credit report inaccuracies
Many consumers in Minnesota may be unaware of false information on their credit reports. Credit reports may have a significant impact on your daily life. Whether you are applying for a mortgage, taking out a loan, opening a credit card or even seeking new car...
The risks of illegal car repossessions
Someone who discovers their car is no longer in its parking space may assume theft, only to find a repossession occurred. Unfortunately, the actions taken might not follow the law's guidelines. Such incidents could increase as the government notes an increased wave of...
Repossession and bankruptcy laws
When financial times become tough, making regular payments on cars, motorcycles, consumer electronics, and other items could become challenging. If a Minnesota customer falls behind on payments, the lender may initiate a repossession. Not everyone understands how...
What can I do if someone stole my identity and destroyed my credit?
Facing identity theft can be stressful. You were trying to do all of the right things, but after identity theft, you are left with a mess trying to prove that you are you. You may be able to get fraudulent charges reversed once you prove someone stole your identity....
Remedies for a wrongful repossession
Minnesota residents who fall behind on certain bills such as auto loans may have had an unpleasant visit from repo agents. It's important to remember that repo services aren't part of the police or the government. There are laws that repo agents have to follow, and...
The FDCPA laws regarding debt collection calls
The stress of debt on consumers in Minnesota is enough without getting constantly contacted by third-party debt collectors. The Fair Debt Collection Practices Act passed in 1971 protects you from deceptive and harassing collectors. The collectors have limits on how...
How the FDCPA protects you
If you get behind on debt in Minnesota, third-party debt collectors may soon start calling. However, many consumers don't know that debt collection agencies can't do anything they want. You have rights under the law to protect yourself from creditor harassment. The...