Debt Collector Harassment in Minnesota

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In , Minnesota there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.

Debt Collector Harassment in Minnesota

Minnesota residents are protected from harassment by debt collectors. The Attorney General of Minnesota provides a list of rules for debt collectors. Some of these include:

  • Calls only between 8 am and 9 pm
  • No calls to your employer or family, other than to obtain your contact information
  • Calls must go through your attorney if you have one
  • No threats, swearing, or abuse
If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced attorney can help you identify your options and build a strong case.

Misrepresentations

Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other illegal debt collection practices below:
  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Minnesota debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney who understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Minnesota , such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

The Better Business Bureau (BBB) lists more than 200 debt collection agencies in Minnesota. Some of these include Reliance Recoveries, Dedicated Commercial Recovery, and FrontLine Asset Strategies. The BBB can provide ratings and contact information for many of these agencies. Checking up on the agency that contacts you can help make sure you aren’t being scammed.

What Should You Do If You’ve Been Harassed By a Debt Collector In Minnesota?

Step 1: Know Your Rights

If you think debt collectors are harassing you, then it’s important to become familiar with the basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

If you’ve been harassed in Minnesota by a debt collector, it’s important to gather evidence. LawHelpMN suggests that you keep a careful record of any contact with a debt collector. Write down the date and time of the call, as well as the name and phone number of who you talked to. In addition, you can take notes during the call about what was said. If there is any written correspondence, make sure you keep a copy of that as well.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Minnesota debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Minnesota debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. attorneys who understand what to expect when suing for debt collector harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Minnesota debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Many cases start with a complaint to the Federal Trade Commission or the Minnesota Department of Commerce. If you decide to file a lawsuit, you may have a choice as to which court to file in. Your Minnesota attorney can help you determine whether federal or state court is more appropriate for your case. When you file, you can request damages for any economic loss that you suffered. In addition, there may be statutory relief available as well. However, your case must be filed within one year of the illegal action of the debt collector.

Work With an Experienced Minnesota Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Minnesota, it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Minnesota state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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