Collection calls can become distressing when someone uses threats, constant contact or other pressure to get you to pay. You might know the treatment seems wrong without knowing if the company crossed a legal line. Federal collection rules limit how covered companies...
The search for stable housing is already difficult enough. A background check error can make that process significantly harder. Knowing how these errors affect your rental application can help can help you protect your housing opportunities and avoid an unfair denial....
Many Minnesota consumers report fraud to the Minnesota Attorney General (AG) expecting financial relief. However, it is not the most direct path to recovering your losses. Reporting fraud and recovering your money require two completely separate actions. Knowing how...
A repossession can happen fast. One missed payment, and a borrower can wake up to an empty driveway. However, not every repossession is legal. If your lender took your vehicle when they had no right to do so, you may be able to challenge the repossession and recover...
With automated marketing and nonstop digital outreach, unwanted robocalls and texts can feel hard to escape. Many Minnesota residents do not know that federal law gives them the right to take back permission at any time. If you keep getting automated calls and texts,...
Losing out on a job offer because of a flawed background check is incredibly frustrating, especially when your record is clean. As a job seeker, a botched screening report may suddenly derail your career goals and damage a hard-earned professional reputation. If...
If a debt collector adds charges or fees not authorized by your contract or Minnesota law, they violate the Fair Debt Collection Practices Act (FDCPA). You can sue for damages, with courts awarding up to $1,000 in statutory penalties plus compensation for financial or...
Ever since lawmakers enacted the Driver's Privacy Protection Act (DPPA) in 1994, there have been strict federal limits governing the personal information included in state motor vehicle records. After years of people with criminal intentions abusing access to...
Consumers pay for their home and mobile phones, which allow them to have on-demand communication with friends, family, employers and even local businesses. Their phones should connect them to the world, not leave them subject to abusive conduct or harassment....
Not every threat you get from a debt collector is legal. In Vadnais Heights, Minneapolis and Saint Paul, Minnesota, collectors frequently misrepresent the amount you owe, the status of your debt or their own authority to collect. Understanding what the law allows can...