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Minnesota Debt Settlement Attorneys

At Fields Law Firm, we understand how difficult it is to make ends meet these days – most people are living check to check. When you are faced with an injury or disability, or you are struggling to pay your debts, you may feel lost without options.

At a time when you are unable to work, trying to get better, and fighting the insurance companies, the last thing you need is debt collectors contacting you.

That’s where we can help. Fields Law has always been there to make sure you have all of the legal help you need following an injury or disability. Now we are also able to help you with debt collection issues which may arise due to your injury or disability.

If you or someone you know has been contacted by a debt collector regarding an alleged debt, contact Fields Law Firm and ask to speak with one of our experienced consumer lawyers to ensure that your legal rights are being protected throughout the process.

Examples of When We Can Help

How Do Debt Collectors Work?

Debt collection agencies are hired by creditors to collect various types of delinquent debts:

  • Credit card debt
  • Car loan debt
  • Personal loan debt
  • Medical debt
  • Commercial debt
  • Student loan debt

Once hired, debt collectors use letters and phone calls to attempt to contact delinquent borrowers to try to convince them to repay what they owe. They typically rely on contact information provided by the original creditor, but often rely on computer software, private investigators, and third parties when that is unsuccessful.

Debt collectors are responsible for negotiating with delinquent borrowers to try and collect and resolve past due amounts. Debt collectors will typically try to work with delinquent borrowers to create a debt repayment plan if the delinquent borrower is unable to pay the full amount of the alleged debt. However, debt collectors will always try and negotiate a repayment plan that is favorable to their client; they are not looking out for your best financial interests.

What If I Cannot Afford To Pay Off My Debt?

Because debt collectors are hired to resolve debt, not just collect it in full, they will try to work with you to develop a repayment plan. Debt collectors typically work on a commission basis and only get paid when they recover a delinquent debt. Therefore, the more they can recover from a delinquent borrower, the more they earn.

Before agreeing to a repayment plan proposed by the debt collector, it is in your best interest to contact a Debt Settlement attorney at Fields Law Firm who will be able to negotiate with the debt collector to ensure that the terms of your repayment are favorable to you.

How Much Will it Cost to Hire a Debt Settlement Attorney?

We offer free initial consultations and provide hourly rate services for debt settlement cases. However, there are no out-of-pocket costs if the debt collector violated the law and we are able to sue the debt collection agency. In those cases, we work on a contingency fee basis. This means that you will not owe any money for attorney fees or costs unless we win your case. Most importantly, the FDCPA and FCRA requires violators to pay successful plaintiffs’ attorneys’ fees. Therefore, we only get paid if we win and if we win, we get paid by the party who violated the law.

What Are The Laws That Debt Collectors Must Follow?

The Fair Debt Collection Practices Act (“FDCPA”) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect past due debts from consumers.

The Fair Credit Reporting Act (“FCRA”) is a federal law that governs how a credit reporting agency handles your credit information. It is designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agencies – and the entities that report your credit information to them and others – to ensure that your information is recorded fairly and accurately, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or furnisher of information violates your rights.

If you are facing challenges paying your bills, Fields Law wants to help. We’ll answer your debt settlement questions, determine what options you have, and empower you to make confident decisions about your future. It costs nothing to tell us about your situation and get our advice. Call us today to find out how we can help.

SETTLEMENTS AND RECOVERIES IN ALL CASES DEPEND ON SPECIFIC FACTUAL AND LEGAL CIRCUMSTANCES WHICH ARE UNIQUE TO EACH CLIENT’S CASE. PAST CASE RESULTS ARE NOT A GUARANTEE OR PREDICTION OF SIMILAR RESULTS IN FUTURE CASES WHICH THE FIELDS LAW FIRM AND ITS LAWYERS MAY UNDERTAKE.

READ OUR CLIENT REVIEWS

John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
Jeffrey
Jeffrey
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
Ben Chadwick
Ben Chadwick
23:20 12 Nov 18
Michael and Samantha were always giving me updates in a very timely manner. They were very good at getting back with me if I had questions, and they didn't have the answer at the time of our discussion. They were very thorough in their handling of my case, and we received a positvie ruling due to their efficiency and expertise. Thank you very much Michael and Samantha, I appreciate all that you did to help me with my case. I would definitely refer people to you, as well as use you in the future. Benjamin Chadwick.read more
Michael Rosa
Michael Rosa
00:01 01 Dec 18
Evan was absolutely fantastic. He was knowledgable, informative and patient. Evan Sanford and Fields law took my case when other lawyers pretty much told me to pound sand. The outcome was a substantial amount of money that will take the pressure off of me for years to come. I would absolutely recommend Fields law.read more
BOBBY jr
BOBBY jr
17:49 02 Dec 18
It is very difficult for the average disabled person to battle the disability insurance and Social Security disability industries. I was very sick, exhausted, and stressed out about being denied and told that I can work by someone who doesn't even know me! The paperwork was daunting and had to be filled out multiple times. I chose Field's Law Firm after finding them online. They took over my claims and handled all of the paperwork and appeals that were necessary. They even went to a hearing with me to the Social Security Judge. Field's also kept me in the loop every step of the way. This allowed me to focus more on myself and greatly reduced my financial anxiety. They don't get paid unless you get paid. You truly have nothing to lose and everything to gain! I am truly appreciative of Field's Law Firm!read more
Raphael Roe
Raphael Roe
00:35 04 Dec 18
I had the pleasure of working with Patrick Kramer for my LTD appeal. He walked me through the entire process and answered all my questions. Patrick called me anytime there was new information and went above and beyond what I expected. It was one of the most stress free processes I’ve had to deal with thanks to the team at Field’s! Thank you for all your hard work! -Michael Roe, Monroe, MIread more
Donna Williams
Donna Williams
19:07 06 Dec 18
My attorney, Blake Bauer and paralegal, Samantha Kurschner are wonderful. Whenever I need to speak with one of them, they are always available. If I have to leave a message, my call is promptly returned. They worked diligently on my case and won my LTD claim. I highly recommend Fields Law Firm.read more
Lori Anderson
Lori Anderson
20:33 04 Dec 18
Jodie has been a wonderful person and on top of my social security disability claim. The attorneys are great and very thorough with what they do. Would recommend Fielsd Law Firm to everyone. Thank you for everything you have done for me.
Todd Burge
Todd Burge
15:40 11 Dec 18
I worked with Attorney Hans Lodge on a large debt collection from a creditor. He was able to determine that there was a violation of the Fair Debt Collection Practices Act, and swiftly moved into legal action. This whole matter was completely and quickly resolved within a couple of months. This whole situation could not have turned out any better on my end. I highly recommend working with Hans or any of the attorneys at Fields Law Firm!read more
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