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Have you been served, or threatened to be
served, with a
debt lawsuit for a credit card,
medical, cell phone, or other consumer debt?
I have defended lawsuits like these in the
State of Minnesota for many years. Creditors
have the burden of proof. That means that
their records must justify the award they
seek. If their records are insufficient and
they cannot prove some or all of the
allegations that they make, you may
successfully defend against their lawsuits.
Creditor lawsuits are seldom challenged and
consumers are saddled with default
judgments, which last for ten years in
Minnesota. Judgments severely affect one’s
credit rating, which causes consumers to pay
higher interest rates on their loans and
higher insurance premiums on their homes and
vehicles. Employers read credit reports
before hiring and judgments can severely
impact one’s chances of being hired.
People want to pay their bills, but creditors’
demands may seem unrealistic. Negotiating a
reduction of a creditor’s demand may solve the
problem. I will, when appropriate, help you
negotiate a debt to an amount you can afford to pay.
Some consumers have incomes and assets which are
exempt from their creditors, which means creditors
cannot collect judgments against incomes like Social
Security and pensions, or homesteads and motor
vehicles up to certain limits. Further, many debt
collectors are governed by the Fair Debt Collection
Practices Act . I can help you make sure that debt
collectors collect no more than they should and
follow the law. Please contact me if you would like
my representation.
Links on
Fair Debt Collection
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Minnesota?
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