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	Consumer and Debt > Debt Collection and Garnishment


	GENERAL LEGAL INFORMATION ABOUT YOUR RIGHTS

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Fact Sheets

Garnishments and Your Rights This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

Fact Sheet C-4
By: Legal Aid Society of Minneapolis
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HTML
Read this in: Spanish / Español

Your Debt Collection Rights This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

Fact Sheet C-3
By: Legal Aid Society of Minneapolis
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HTML
Read this in: Hmong / Hmoob , Somali / Soomaali , Spanish / Español

Income and Property Protected from Creditors
What types of property and income are protected from creditors when they are collecting debts?
By: Senior Law Project - Southern Minnesota Regional Legal Services

Dealing With Debt
Questions to answers about debt and debt collection.
By: Senior Law Project - Southern Minnesota Regional Legal Services

Spousal Liability for Debts
Answers to questions about rules on responsibility for debts of spouse.
By: Senior Law Project - Southern Minnesota Regional Legal Services

What Types of Property are Exempt from Creditors?
Unexpected medical bills, the death of a spouse, or a sudden reduction of income due to a forced retirement can generate more debts than a senior citizen on a fixed income can pay.
By: Senior Law Project - Southern Minnesota Regional Legal Services

Question & Answer Column

Am I Liable for My Husband's Debts?
My husband recently died, leaving behind an unpaid credit card debt. Now I am getting telephone calls from a collection agency telling me that I am responsible for my husband's credit card debt. What can I do?
By: Legal Aid Service of Northeastern Minnesota-Duluth

Debt Management Services

By: Senior Law Project - Southern Minnesota Regional Legal Services

What can I do if I cannot afford to pay my credit card debt?
My living expenses have increased and I can't afford the minimum balance payments on my credit card. Now a collection agency has been calling me every day demanding payment. What can I do?
By: Legal Aid Service of Northeastern Minnesota-Duluth

Are debt management services companies scams?
Not all debt management services companies are scams, but you should definitely examine them closely before you decide to business with them.
By: Legal Aid Service of Northeastern Minnesota-Duluth

Do I have to use the sale proceeds of my home to pay off a judgment-lien?
I plan on selling my home to purchase a condominium nearer to my children, but there is a judgment-lien on my home. Do I have to use the sale proceeds of my home to pay off this judgment-lien?
By: Legal Aid Service of Northeastern Minnesota-Duluth

Your Options After Receiving a Summons and Complaint for Credit Card Debt
I just received a Summons and Complaint in the mail regarding a credit card debt that I owe. I simply could not afford to pay back the credit card debt; now I am being sued. What should I do?
By: Legal Aid Service of Northeastern Minnesota-Duluth

Booklets

The Credit Handbook This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)
A comprehensive look at credit: how to get a copy of your credit reports, articles about many credit issues, link to the FTC (Federal Trade Commission) and more.
By: Minnesota Attorney General's Office

Dealing with Debt Booklet This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

This booklet is a brief guide to help families make good financial and legal decisions when dealing with debt, debt collectors, and credit reporting agencies.
By: Minnesota Legal Services Coalition State Support Center

Other Helpful Resources

Beware of Phony Collection Scams This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)
Americans are now more in debt than at any other time in history. The recent and dramatic increase in consumer debt has spawned hundreds of new credit-related scams.
By: Minnesota Attorney General's Office

Co-Signing a Loan This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)

By: Federal Trade Commission (FTC)

Credit and Divorce This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)
If you've recently been through a divorce, or are contemplating one, you may want to look closely at issues involving credit.
By: Federal Trade Commission (FTC)

Debt Collection This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)
Important information about your rights in debt collection.
By: Minnesota Attorney General's Office

Fair Debt Collection (Separate Website)
The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Here are some questions and answers about your right under the Act.
By: Federal Trade Commission (FTC)
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PDF File
Read this in: Spanish / Español

Out of Work? How to Deal with Creditors This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

By: Federal Trade Commission (FTC)
Read this in: Spanish / Español

Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)

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