Consumer Law

When and How to Freeze Your Credit

March 20, 2017

What is a credit freeze, and how does it work? A credit freeze is something that you can do if you want to block your credit reports from being accessible. They provide you with a secret PIN number that you can use if you ever need to apply for credit, so that you can temporarily […]

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Are you getting collection calls for another person’s debt?

November 10, 2016

Whether called intentionally or by mistake, the most prevalent consumer charges that are received by the Consumer Financial Protection Bureau are frustrating collection calls for someone other than the person it is intended for. If you are receiving letters or calls from a collector for another person’s debt, you likely aren’t interested in the reason why […]

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Debt Collectors Calling Your Friends and Family? That’s Illegal And You May Have A Case.

November 3, 2016

The Fair Debt Collection Practices Act usually forbids debt collectors from calling friends and family. In reality, most collection calls to third-parties are illegal. In some rare cases, there are exceptions to this rule however. If a debt collector is contacting someone else about your debt, here is what you should know. “Debt Collectors” Gathering […]

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Messerli & Kramer Sued Me. What Are My Options?

October 27, 2016

The largest debt collection firm in Minnesota is Messerli & Kramer. They are very adept at what they do, and if you are on the receiving end of this giant, you’ll want to know how to properly protect your interests. Messerli & Kramer can be a very difficult adversary. Immediate Response to a Collection Lawsuit […]

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How to Tell If a Debt Collector Violates the FDCPA

October 5, 2016

There are many ways that a debt collector can violate the Fair Debt Collection Practices Act. In this post, we are first going to review some basic guidelines for determining if a debt collector violates the FDCPA, and then go over some more specific examples of violations. The FDCPA states that debt collectors are not allowed to […]

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Can the Police Assist a Repossession Agent in Taking My Car?

September 28, 2016

The repo man is not allowed to ask for police assistance in order to seize your car. Vehicle repossession is a private affair. If police are called in during the act of a repossession, their role is strictly to maintain the peace and order, not to help the repossession agent. The repo agent is not even allowed […]

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Illegal (Unlawful) Vehicle Repossession in Minnesota

March 7, 2016

When you buy a vehicle with a loan, the lender will typically place a lien on the title of the vehicle until the loan balance is paid off. The lender will also typically have the right to repossess the vehicle (the collateral) if you default on, or breach the terms of, your loan. The contract will […]

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Attorneys Practicing In This Area

Benjamin Tarshish

Traci Vercande

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