Practice Areas

Consumer Collections & Creditors' Remedies - Colecciones de consumidores

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Messerli Kramer’s Consumer Collections and Creditors’ Remedies group provides comprehensive, debt collection services to our clients, including some of the nation’s largest banks and financial services companies. Our thorough understanding of the law, business and regulatory landscape related to the collections process makes us more than litigators. We are negotiators, investigators, collectors—and above all—partners with our clients.

We are licensed as attorneys in Minnesota, Wisconsin, Nebraska, Iowa, North Dakota, South Dakota, Montana, Colorado, and Ohio. We collaborate with our clients and develop a collection strategy tailored to each client’s unique recovery objectives. Our attorneys manage a range of tools for a client’s claim, from clients’ claims from demand letter, telephone calls, credit bureau review, litigation, garnishment, skip tracing and asset searches, to post-judgment remedies and collateral recovery.

The Consumer Collections and Creditors’ Remedies group maintains policies and practices compliant with all applicable federal and state governing laws and regulations. Particularly important in the evolving regulatory environment, we tailor practices and procedures and implement the specific compliance requirements of our clients. Our goal is to eliminate regulatory risk for our clients by providing comprehensive compliance procedures at each stage of the recovery process.


  • Collection litigation in Minnesota, Wisconsin, Colorado, Nebraska, Iowa, Montana, Ohio, South Dakota and North Dakota
  • Negotiation of settlements and resolution of placed accounts
  • Lawsuits and judgments
  • Garnishments and levies
  • Secured transactions
  • Replevins and Auto Deficiencies
  • Bankruptcy, proofs of claim, relief from stay, adversary proceedings, and reaffirmation agreements
  • Appellate representation
  • Post-judgment discovery and asset recovery
  • FDCPA defense and compliance
  • Consumer Financial Protection Bureau (CFPB) compliance
  • Student Loan Collections
  • Medical Collections

The Consumer Experience

At Messerli Kramer, the Consumer Collections and Creditors’ Remedies group emphasizes professional and courteous consumer interaction. Our award-winning programs lead the industry in consumer treatment.

Consumer Comments
“I appreciate your professionalism and your being polite and courteous and helping me work through this. It makes a huge difference.”

“You are very helpful. You could have made this process a lot harder. You are very good at what you do I can tell you that. Thank for listening I have really appreciated talking to you which is weird. Thank you.”

“You have been so amazing, thank you. I didn’t know what this was going to be like and I really appreciate your time and your understanding and the tone of your makes a difference. I was scared to call.”

“You’ve always been the nicest collection person I’ve ever dealt with.”

“Thank you, maybe this will not mean anything to you but I did appreciate your professionalism, this hasn’t been easy. I appreciate you being professional…and that you treated me with dignity.”


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Philip Popa


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