Defend Against Consumer Debt Lawsuits!

Have you been served, or threatened to be served, with a debt lawsuit for a credit card, medical, cell phone, or other consumer debt? I have defended lawsuits like these in the State of Minnesota for many years. Creditors have the burden of proof. That means that their records must justify the award they seek. If their records are insufficient and they cannot prove some or all of the allegations that they make, you may successfully defend against their lawsuits. Creditor lawsuits are seldom challenged and consumers are saddled with default judgments, which last for ten years in Minnesota. Judgments severely affect one’s credit rating, which causes consumers to pay higher interest rates on their loans and higher insurance premiums on their homes and vehicles. Employers read credit reports before hiring and judgments can severely impact one’s chances of being hired.

People want to pay their bills, but creditors’ demands may seem unrealistic. Negotiating a reduction of a creditor’s demand may solve the problem.   I will, when appropriate, help you negotiate a debt to an amount you can afford to pay. Some consumers have incomes and assets which are exempt from their creditors, which means creditors cannot collect judgments against incomes like Social Security and pensions, or homesteads and motor vehicles up to certain limits. Further, many debt collectors are governed by the Fair Debt Collection Practices Act . I can help you make sure that debt collectors collect no more than they should and follow the law. Please contact me, William Michelson, at 612-821-4817 or email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it if you would like my representation.