CONSUMER LAW

Are you or a loved one facing any of the following issues?

  • Creditors trying to collect old debt past the Statute of Limitations
  • Served with judgments on unpaid debts
  • Cannot continue to pay toward credit card debt and need debt settlement assistance
  • Victim of wrongful repossessions (example: car repossessions)
  • Victim of identity theft, resulting in credit report errors or debt collectors trying to collect debt that is not yours
  • Victim of debt collection abuse or debt collector harassment
  • Dealing with credit card companies and arbitration

The attorneys at Marso & Michelson, P.A. are here to help.

On a daily basis, our attorneys negotiate with our clients’ creditors, the law firms that represent them, and debt collection agencies that have purchased our clients’ debts. The first step in the debt settlement process is to sit down with an attorney and go over any documents you may have regarding the debt. Based upon the number of debts, the amount of each debt, the age of the debts, and who currently owns the debts, the attorney will advise you as to the best method of settling and/or negotiating your debts. The attorney may negotiate to settle your debt for less than what is being requested by the creditor, arrange a payment plan for you to pay off the debt in smaller increments without accruing more interest, or help you to settle debts in one lump sum. For some, our attorney may suggest bankruptcy. They will happily answer your questions. If you decide to proceed, they will help you every step of the way. Every client has unique circumstances, and our attorneys work hard in order to ensure the best possible outcome for each individual.

According to a 2013 Federal Trade Commission Report, 1 in 4 consumers identified errors on their credit reports. While other reports put the number of consumers with incorrect items on their credit reports as low as 5%, it is still a serious problem. Credit reporting errors can happen to anyone, rich, poor, old, and young.

Considering how important a credit score is, it is worth the time to review your reports regularly. In addition to the cost of credit, your credit score has an impact on your insurance rates, your employment, and whether or not you will be able to rent a home or apartment.

If you notice something amiss on your credit report, contact us to discuss your options.

If you are like most of our clients, you would pay your debts if you had the money. For some reason, debt collectors never seem to understand that simple fact. Yet, they bombard you with phone calls and letters. They may call you names, and treat you rudely. None of this is going to help you get your debts paid.

If you have been treated poorly by debt collectors, we can help. Many times we can represent you for free and can sue unscrupulous debt collectors on your behalf. Not only will these claims not cost you anything, but you could be entitled to receive cancellation of your debt, reimbursement of actual damages, and statutory damages of up to $1,000.00.

If you are being harassed, give us call.

Have you ever received repeated phone calls and/or pre-recorded messages on your cell phone? Or if you answer a call from a strange number, do you get an automated voice on the other end telling you to wait for an important message? If so, you may well have a claim under the TCPA.

The best thing to do, is to keep a call log and SAVE ALL PRE-RECORDED VOICEMAIL messages you receive. These calls and messages do not need to be from a debt collector to violate the law. You may be entitled to statutory damages of $500-$1,500 per illegal call.

Contact us if you have any questions or concerns.

Sometimes life throws you a curveball. You never expected to be faced with stacks of credit card bills that continue to grow with interest and late fees tacked-on. How can you ever get ahead?

We have decades of experience working with people at all levels of income and debt. We can give you practical advice that will help you take control. We will also work with you to make sure that our fees do not become another burden.

Call us today, and begin taking back control.

Most consumers can recognize when a debt collector crosses the line. But not infrequently, our clients where not even aware that a debt collector had violated the law. They just assume that all the stress and anxiety caused by the unscrupulous debt collectors is just something they have to live with.

We can make sure that debt collectors follow the law, and help you turn the tables on them. Click below to learn about some of the most common violations.

Getting a court notice that a creditor obtained a judgment against you can be very scary and cause anxiety. Will they garnish my wages or bank account? Can they take my car? I can’t pay this. What do I do?

We understand the worries and can provide answers to all your questions. Most of the time people imagine that the circumstances are worse than they are in reality. We can give you the peace of mind knowing exactly what might happen. Then we can work on a plan of action to address the judgment and deal with it once and for all.

People in debt will often incorrectly assume that filing for bankruptcy is their only option. Rarely is bankruptcy the only option. We can work with your creditors to formulate a plan that fits within your budget.

Because no two situations are exactly the same, we do not promise that we will be able to settle your debt at any certain percentage. Beware of those companies that make promises of “we will settle all your debt at 40%.” Depending on your circumstances, we may be able to settle your debts for less than 40% of the balance due, but not always.

We will be honest with you from the very beginning, and keep you informed through-out the process.

Oftentimes we get calls from people who say, “a collection agency is trying to collect a really old debt from me.” It seems that a growing number of collection agencies have begun to specialize in “zombie debt.” Like a bad horror movie, zombie debt follows you for what seems like forever. Just when you get back on your feet financially, zombie debt rears its ugly head.

Luckily, Minnesota law limits how long you can be sued on old debt. This is called the Statute of Limitations. We can help you understand your rights. If a collection agency is trying to collect old debt from you, we can stop them, and you may be able to sue them.

Call us if zombie debt is haunting you.

Identity Theft can happen to anyone. Your entire identity can be compromised, or a single unauthorized account can be opened in your name. No matter how it happens, it can be a nightmare.

If you need help dealing with the fall-out and/or picking-up the pieces after identity theft, give us a call.

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