Can a debt collector …?
For questions about debt collection law, the Minnesota Attorney General’s Office is often a good place to start. Look under Consumer, then Consumer A to Z for the topic Debt. Among the useful pamphlets is one on debt collection practices at http://www.ag.state.mn.us/Brochures/pubDebtCollectionFactSheet.pdf. The Minnesota Department of Commerce has an FAQ on Collection Agencies at: http://www.state.mn.us/portal/mn/jsp/content.do?action=faq&category=Collection%20Agencies&agency=Commerce. Collection Agencies are licensed by the Department. Click here for information on filing a complaint. The Federal Trade Commission has factsheets for consumers dealing with debt at http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm. There is a fact sheet specifically on fair debt collection at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm. The National Consumer Law Center also has a brochure on Dealing with Debt Collection Harassment at http://www.consumerlaw.org/issues/seniors_initiativ