Stephanie S. Lamphere





Stephanie Lamphere focuses on collection litigation and creditors’ remedies, working to maximize the recovery of debts owed to the firm’s clients including a wide range of businesses including national banks, credit unions, debt buyers, and other lenders. Stephanie also focuses her practice in Fair Debt Collection Practices Act (FDCPA) defense.  

Stephanie joined Messerli Kramer with a dynamic background in civil litigation, criminal law and government administration. Stephanie attended Pepperdine Law School in Malibu, California, where she completed an externship with the Los Angeles District Attorney’s Office in the Compton Branch and also clerked for a premier insurance defense law firm in southern California. During law school, Stephanie also completed a federal judicial externship with the Honorable Samuel Der-Yeghiayan in the Northern District of Illinois. While at Pepperdine, Stephanie was elected Co-Captain of the nationally ranked Moot Court Competition Team. She led the team to Regional and International Championship titles in 2013 and 2014. Stephanie competed in Washington D.C., San Diego, Chicago, and Hong Kong, among other locations, and was inducted into the national Order of Barristers as a result of her successes in domestic and international competition.

Upon graduation from Pepperdine, Stephanie returned to Minnesota, where she worked as the lead staff member for the Mining and Outdoor Recreation Policy Committee at the Minnesota House of Representatives and transitioned into private practice in 2016.

Representative Experience
  • Daniel Kasten v LVNV Funding LLC et. al., 19-cv-428 (E.D. Wisc. Mar. 23, 2021) obtained complete dismissal of Plaintiff’s FDCPA claims and award of costs to Defendant following cross-motions for summary judgment on basis Plaintiff lacked Article III standing to bring FDCPA claims.
  • Kevin Pone v Capital One Bank USA, N.A. et. al., No 19-cv-2149 (Dist. Minn. Sept. 29, 2020) – prevailed on Rule 12(c) motion dismissing Plaintiff’s state and federal claims against Defendant.
  • Midland Funding LLC, et. al., v Joy Ford, A19-1887, (Minn. Ct. App. Apr. 20, 2020) (review denied) – prevailed on appeal to MN Court of Appeals, where MN Ct. App. affirmed District Court’s granting of summary judgment, upheld dismissal of Defendant’s FDCPA counterclaims in their entirety and judgment in favor of Midland Funding LLC.
  • Heroux v. Callidus Portfolio Management, Inc., No. 17-cv-5132 (DSD/HB) (D. Minn. 2018) – obtained the dismissal of debt buyer client from FDCPA action on the basis that debt buyers are not liable under the FDCPA.

  • Olson v. Messerli & Kramer P.A., No. 17-cv-4423 (JNE/SER), 2018 U.S. Dist. LEXIS 23147 (D. Minn. 2018) –assisted in the successful defense of a FDCPA claim against Messerli, resulting in the Court’s dismissal of Olson’s Complaint on a 12(b)(6) motion.

  • Warno v. Messerli & Kramer P.A. (2018) – secured a dismissal of Warno’s claims against Messerli and judgment against Warno on Messerli’s counterclaim.

  • Coyne v. Midland Funding, LLC, 2017 U.S. Dist. LEXIS 113371 (D. Minn. 2017) – assisted in the successful defense of a FDCPA action where the Court granted Midland’s motion to dismiss the FDCPA action in its entirety on the basis of materiality.

  • Negotiated favorable settlement for lender client resulting in payment in full of outstanding debt and voluntary dismissal of counterclaim.

Publications & Presentations


  • Presenter, “Millennials & Money: Maximizing Collections From Generation Y” – National Creditors’ Bar Association Spring Conference, 2019
  • Presenter, Anchors Aweigh! Navigating the New Rules of Consumer Debt Collection in the Wake of the CFPB’s “Regulation F” (Hennepin County Bar Association Debtor/Creditor Section CLE), Winter 2022
Professional & Community


  • Minnesota
  • Wisconsin
  • U.S. District Court, District of Minnesota
  • U.S. District Court, Eastern District of Wisconsin
  • U.S. District Court, Western District of Wisconsin


  • Certified in Criminal Legal Practice
  • Certified in Dispute Resolution


  • Minnesota State Bar Association, Member

  • Hennepin County Bar Association, Bench & Bar Committee, Co-Chair for 2021-2023
  • Hennepin County Bar Association, Bench & Bar Committee, Debtor-Creditor Committee, Member

  • Minnesota Creditors’ Rights Association, Member

  • Hennepin County Bar Association Board of Directors

Community Involvement 

  • 2019 Federal Bar Association Court Camp, Mentor
  • Wooddale Church, Eden Prairie, Member
Honors & Distinctions

• National Order of Barristers, inducted 2014