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Minnesota Debt Collection Attorneys

When should you contact one of our experienced Minnesota Debt Collection Attorneys? At Dudley and Smith, P.A. we offer an extensive range of legal services including debt collection disputes and representation to clients across Minnesota and Wisconsin.  If you are dealing with a debt collection dispute, look to the assistance of Dudley and Smith, P.A.  We will fight on your behalf to ensure your rights are protected.

Violations of the Fair Debt Collection Practices Act

Debt collectors have a job to do, but there is a right way and a wrong way to go about it.  Some debt collectors violate the rules and regulations laid out in the Fair Debt Collection Practices Act by contacting you at all hours of the night or harassing you even after the debt collection should have stopped.  Creditor harassment may include repeated/excessive phone calls, harassment, using obscene language, making threats, and contacting friends, family, or employer to attempt to get to you.

Debtors and Creditors Rights Lawyer

If you are having trouble with debt collectors, then Dudley and Smith, PA can provide you with legal assistance and an affordable solution to this stressful problem. We can help you with any instance of unfair debt collection, including:

  • Creditors illegally hounding you after the allowed hours
  • Creditors using fraud to attempt to contact you
  • Debt collection abuse and harassment
  • Fair Debt Collection claims
  • Creditors attempting to collect old debts past the statute of limitations
  • Wrongful repossession cases
  • Assistance with debt settlement and debt consolidation
  • Bankruptcy options and alternatives [active link
  • Instances of identity theft or errors in billing
  • Fair Credit Reporting claims
  • Credit card company arbitration claims
  • Robo-calls to your cell phone

If a debt collector contacts you, it is your right to dispute the alleged amount owed.  Once a debt collector sends you a validation notice regarding the alleged debt, certain time limitations are triggered under the Fair Debt Collection Practices Act so it is important that you keep complete records and contact a consumer rights attorney quickly.  Even if the debt collector has not violated the Fair Debt Collection Practices Act, a consumer rights attorney will provide you relief from continuous or abusive debt collection practices.

Moving Past the Debt

Speaking to a Minnesota debt collection lawyer cannot make the entire situation go away, but it can alleviate the stress and help you get your finances back in order.  At Dudley and Smith, P.A., if your case needs action, we will deal with the documentation and filing a complaint under the Fair Credit Reporting Act or Fair Debt Collection Practices Act on your behalf.  We know how the process works and can ensure that, if your rights are being violated in any way, we will work to stop unlawful creditor behavior.

We will also sit down with you to determine the best way to manage your finances and ensure that this does not happen again.  Debt consolidation, chapter 7 (liquidation) bankruptcy or chapter 13 (reorganization) bankruptcy may be options you might also want to consider.