Contacted by a man claiming to be from a law office saying that a payday loan company is pursuing criminal charges.

The Fair Debt Collection Practices Act prohibits debt collectors making false threats like this. That law has worked pretty well, there are no...

Can children be held responsible for medical debts of a deceased parent?

I agree with the other answer here. I would also add two things: 1) as a practical matter you should let them know the parent has died by sending...

If something hits collections, can the business before them just take money from my account?

No one cantata money from your bank account unless they have your permission or judgment against you. You have not given enough information to...

How can I get out of debt?

These other answers are correct, if you co-signed a loan you cannot "get your name off of it." Minnesota law does permit either party to a joint...

Received notice to garnish wages

If it was sent to you by a law firm, you send your exemption claim to the law firm.

Does child with disability who receives SSI count when wages are being garnished

The Minnesota statutes provide that the wages of a person who receives government assistance based on need are exempt from garnishment for six...

Debt consolidation

The business model of payday lending is pretty much a scam. Minnesota requires agencies helping with Debt Settlement and so forth to be licensed. ...

I'm being garnished but there was no judgment and there's nothing on record at court house

There is a provision in Minnesota law for pre-judgment garnishment. A creditor can garnish your wages of bank account if: 1) You were served with...

I represent people in bankruptcy, collection lawsuit defense and FDCPA cases. In my practice I talk to a lot of people who have debt issues. I...

This is a form that the Minnesota Courts allow attorneys for creditors to send out in any case in which they have a judgment. It would appear,...