Don’t Feel Bad, Get Mad. Stand Up To Consumer Abuse.
Protecting the rights of consumers in Minnesota and nationwide.
The personal bankruptcy process is complex. People spend months, if not years, trying to regain control over their finances. They may have to liquidate some of their property or maintain a strict household budget as they complete a multi-year repayment plan. The...
If you owe an outstanding debt, it’s natural that creditors are going to try to contact you to collect. In some cases, consumers are unaware of the debt that they owe, so simple contact is all that is needed. In other cases, creditors may have been trying to collect...
A creditor reporting late payments on your record can significantly impact your credit score and, in turn, your ability to get credit in the future. Unfortunately, this may happen even when you pay on time. Here is what to know about inaccurate late payments on your...
It's easy to overlook paying a bill. You likely receive your bills via mail and email and the ones automatically withdrawn from your bank account. So, when you receive notification from a debt collector about a bill you've already paid, you start to question...
Collection agents and creditors often use telecommunications to collect the money owed to them. Calling a person who owes money can remind them that they have fallen behind and may inspire them to rework their budget. Creditors must comply with rules restricting...
A recent hack has put millions of Americans at risk. According to reports, hackers broke into the records of a company called National Public Data. This is a background check company, so it had extensive information about billions of consumers. The hackers stole this...
Receiving a call or other notice of a collection attempt from a debt collector can be a difficult experience. As a result, some people may be tempted to give a debt collector whatever information they want so they can be done with them. If you’re going through this...
Your credit score is issued based on an accumulation of data. Credit reporting companies will look at your borrowing habits and assign you a numerical score based on debt levels, income, past repayment issues, bankruptcy cases and a variety of other factors. Having a...
Did you know what debts can expire? Under Minnesota’s laws, most consumer debt has a statute of limitations of just six years. That means that creditors cannot sue you for the debt unless they take action within six years from the last time an account was used or a...
Deceptive advertising involves misleading or false claims to persuade consumers to purchase products or services. If you find yourself a victim of such tactics, knowing your options to seek redress and prevent further harm is essential. Here, you can learn what to do...
