Consumer and Commercial Debt

Cottrell Law Firm has engaged in consumer debt collection from its very start. Consumer debt collection is a highly specialized field of practice with its own unique laws, rules, and terminology. Many people without any legal education may understand what a Plaintiff and Defendant are in a lawsuit, but few people know, or have heard of, the terms “replevin,” “writ of execution,” or “garnishments.” While unique terms of art are common in all fields of law, it is indeed uncommon for the majority of practicing lawyers to be familiar with debt collection in general. Because of the specialized knowledge required for debt collection, most law firms will not want to focus on this one area of law. Both federal and state law is frequently enacted in this area, and large amounts of collections lawyers’ time is devoted to staying up to date with changes in the law.

Due to the detailed knowledge required, many collection law firms take on as many files as possible, and sometimes, overload their attorneys and staff to a point that they are unable to timely respond to their clients. At Cottrell Law Firm, we take a different approach. We strive to be available for clients, and consumers, during business hours, and that everyone who contacts CLF can easily discuss their file with an attorney or staff member.

Cottrell Law Firms’s consumer debt collection practice involves:

Negotiating settlements and payments arrangements, and monitoring those arrangements for timely payment.

Consumer debt collection lawsuits in both Minnesota and North Dakota, for credit cards, lines of credit, student loans, promissory notes, deficiencies, and auto loans.

Replevin actions to recover collateral, such as motor vehicles.

Collecting probate assets from decedent estates.

Judgment enforcement, including wage garnishments, bank levies, and orders for disclosure.

CLF represents both original creditors and debt buyers.

Bankruptcy practice, including filing proofs of claim, adversary actions to have debt declared non- dischargeable, and obtaining dismissals of bankruptcies.

Fair Debt Collection Practices Act related legal advice and representation.