Jefferson C. Pappas





Jeff Pappas concentrates his practice on Collections, working on behalf of such clients as car-financing companies, credit unions, national banks, credit-card issuers, and debt buyers. Jeff helps the firm’s clients recover collateral and outstanding balances on credit cards, secured loans, second mortgages, and promissory notes, among other items.

Jeff understands business and knows how to track and manage the detailed components of lending transactions and agreements. Jeff is an experienced and talented public speaker and has lectured on various aspects of credit and collections and instructed others in how to comply with the Fair Debt Collection Practices Act. 

His business background and appreciation for the rules of conduct set out by the law means he can represent his clients in a cost-effective manner, promoting both the firm’s clients’ integrity and the consumers’ dignity. 

Representative Experience
  • Midland V. Aamaal Osman, No. A17-0549 (Minn. Ct. App. 2018)
  • Midland v. Chatman, 796 N.W.2d 534 (2011) is a Minnesota Court of Appeals decision that answered the question of whether personally injury proceeds are exempt under Minnesota Statute 550.37Subd. 22.  The court ruled in the creditor’s favor and found that the exemption statute provides and exemption for the personal injury “right of action” but the not the proceeds which stem from it.

  • Hemmingsen v. Messerli & Kramer P.A., 674 F.3d 814 (8th Cir. 2012) is a 8th Circuit Court of Appeals case which upheld the decision Jeff earned in the district court.  The case answered the question whether an attorney is liable under the FDCPA for making arguments which are alleged to be false because the creditor did not prevail in the underlying collection action.

Professional & Community


  • Minnesota


  • Minnesota State Bar Association, Member
  • Hennepin County Bar Association, Member