Debt collectors are allowed to contact debtors, but there are limitations on frequency and type of contact. They cannot leave intimidating or threatening messages on other people's phones or email accounts. There is a federal law designed to stop debt collectors in...
Residents of Vadnais Heights and the Twin Cities area of Minnesota may want to know more about new protection for consumers when it comes to medical billing. Health care sticker shock has been a popular subject on social media as surprise bills land in the mailbox of...
Most auto repossession contracts include terms that are carried out legally. However, there are a few lenders and repossession companies that use unfair, deceptive practices to repossess their vehicles. Even after missing several payments, you have the right to sue...
Robocalls happen to all types of landline, mobile and VoIP phones in Minnesota. The phone numbers are real, but the messages are generic and unsolicited. Although telemarketing is legal, the Federal Communications Commission, or FCC, sets rules and regulations for...
Buyers who do not make their car loan payments could find the vehicle repossessed. Financiers expect timely payments and do not want to lose money on a Minnesota car sale. However, just as borrowers may make mistakes, so might the lender. A financing company’s error...
If a repossession appears on your credit report, it could have a significant impact on your credit score. However, there is a chance that a Minnesota auto lender might be willing to work with you to get the repossession erased from your credit report. It may also be...
Debt and credit issues could severely affect someone’s financial life to the extent that filing for bankruptcy might provide the only solution. Minnesota residents might feel relieved to know that federal laws related to bankruptcy protections and credit reporting...
If you struggle with debt, you may expect to eventually hear from debt collectors. Some may be dishonest, untruthful and intimidating, resorting to almost anything they can do to collect the money. Such behavior is repugnant and illegal. A federal law known as the...
In a competitive job market, background checks have become increasingly essential. An organization will perform an investigation to uncover anything in an applicant’s history that might raise red flags about future performance. While this seems to be an acceptable...
Credit scores are important to many people in Vadnais Heights, Minnesota, because it determines if they can get loans. Inaccurate credit reports can also cause consumers to get denied for leasing property and insurance. For this reason, Congress passed the Fair Credit...