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When Legal Matters Become Personal
One of the most common questions families have after the death of a loved one is, “Am I responsible for paying their credit card debt?” The answer is usually reassuring: in most cases, no. This can create a great deal of confusion during an already difficult time....
For many Americans, monthly Social Security benefits are not just retirement income — they are the money that keeps the mortgage paid, the lights on, and groceries in the refrigerator. That is why clients are often shocked to learn that even though Social Security...
In 2024, Minnesota became one of the first states in the nation to make personal finance coursework a mandatory requirement for high school graduation — a major step toward teaching young people how to manage money, avoid overwhelming debt, and build financial...
In a major shift affecting millions of Americans with unpaid federal student loans, the U.S. Department of Education has announced that it will begin garnishing wages of borrowers in default starting early January 2026. This action resumes a collection practice...
If someone in Minnesota is served a summons for debt collection, there are some important steps they should take to protect their rights — and ignoring it can have serious consequences. 1. Recognize it’s serious — even if there’s no court record yet • In Minnesota,...
Financial stress doesn’t show up overnight—it builds slowly, often hiding behind life events none of us can plan for. A job loss, medical emergency, divorce, or sudden drop in income can turn manageable bills into overwhelming debt in a matter of months. Many people...
Landlords are increasingly using credit reports as a tool to resolve rent disputes, targeting tenants' credit scores instead of relying on lengthy legal battles. By hiring debt collectors, landlords can report unpaid rent to credit bureaus, which can severely damage...
American credit-card delinquencies have surged to a 13-year high, with 11% of credit-card debt in serious delinquency by the end of 2024. This increase, which reflects financial strain, is concentrated among young, low-income, and subprime borrowers. Rising interest...
One of the new consumer protection laws passed by the 2024 MN Legislature, is a prohibition of reporting medical debt. This takes effect October 1. Since the law appears to be targeted toward credit reporting agencies and debt collectors, I presume that this is...
In Minnesota, a spouse is liable for the medical and other necessary debts of their spouse, as long as they are living together at the time the debt is incurred, pursuant to Minn.Stat. § 519.05. This is regardless of whose name it is in. While hospitals will sometimes...