FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER

MINNESOTA

SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

[DATE]

[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]

Re: FDCPA and Minnesota Debt Collection Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]

Dear Sir or Madam:

This law firm represents [CONSUMER FULL NAME], a Minnesota resident.

I. VIOLATIONS IDENTIFIED

Federal FDCPA Violations:

☐ Validation notice failure (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)

Minnesota Collection Agency Regulation (Minn. Stat. Section 332.37):

☐ Harassment, threats, or abuse
☐ Oppressive conduct
☐ Fraudulent, deceptive, or misleading conduct
☐ Other prohibited practices

Minnesota Consumer Fraud Act (Minn. Stat. Section 325F.69):

☐ Fraud, misrepresentation, or deceptive practices

II. MINNESOTA LEGAL FRAMEWORK

Minnesota Collection Agency Act

Minn. Stat. Section 332.37 provides comprehensive regulation of collection agencies including:
- Prohibition on harassment, threats, and abuse
- Prohibition on oppressive conduct
- Prohibition on fraudulent and deceptive practices
- Private right of action for violations

Minnesota Consumer Fraud Act

Minn. Stat. Section 325F.69 allows private actions for fraudulent practices with potential treble damages.

III. DAMAGES

IV. DEMAND

Payment of $[SETTLEMENT DEMAND] within thirty (30) days.

Respectfully submitted,

[LAW FIRM NAME]
[ATTORNEY NAME]
[MINNESOTA BAR NUMBER]

MINNESOTA-SPECIFIC REFERENCE

Consult a Minnesota-licensed attorney before use.