Who is Messerli & Kramer?
Messerli & Kramer is a debt collection law firm headquartered in Plymouth, Minnesota. Their lawyers routinely appear in court throughout Minnesota and also handle debt collection cases in Wisconsin, Iowa, the Dakotas, Nebraska, Montana, Colorado, and Ohio.
Messerli does collection work for some of the largest banks, credit card companies, and debt buyers in the country. They are aggressive and very effective at recovering money for their clients.
What to Do if You’re Being Sued by Messerli & Kramer
If you’re dealing with a debt collection lawsuit from Messerli & Kramer, you typically have three options: (1) defend the case; (2) negotiate a settlement; or (3) file bankruptcy.
It’s critical to familiarize yourself with the court process. Messerli knows the court rules very well and will use your lack of familiarity to their advantage in pursuing a court judgment against you. Our free Minnesota Debt Collection Lawsuit Guide is a great place to start learning more about the process.
What to Do if You’re Being Garnished by Messerli & Kramer
If Messerli is garnishing your bank account or wages, there are four possible ways to stop the garnishment: (1) claim an exemption; (2) negotiate a settlement; (3) vacate the judgment; or (4) file bankruptcy.
When dealing with a garnishment from Messerli & Kramer, knowledge about the process and the pros and cons of each potential solution is critical. Our free Minnesota Garnishment Guide will get your started.
Messerli & Kramer FAQ
How long do I have to respond? You must serve a written Answer within 21 days of being served. Miss it and Messerli can get a default judgment without a hearing.
My summons doesn’t have a court file number. Is it fake? No. Minnesota allows “pocket filing.” It’s still a valid lawsuit and you still must Answer.
Should I just call Messerli to work out payments? Call if you want, but calls don’t stop the 21-day clock and don’t count as an Answer. If you plan to settle, answering first often improves leverage.
What defenses might apply? Depending on your facts: statute of limitations, unauthorized use/fraud, prior payment/settlement, and for debt-buyer cases, failure to prove assignment.
They’re already garnishing me, what can I do? Typical options: claim an exemption, negotiate a settlement, move to vacate the judgment (limited scenarios), or file bankruptcy.
Can Messerli add attorney’s fees and interest? Often yes, depending on the contract and Minnesota law. A strong defense and negotiation can limit exposure.
Need help dealing with Messerli & Kramer?
Schedule a consult with debt defense lawyer Todd Murray.
Since 2009, Todd has helped hundreds of Minnesotans dealing with debt collection by Messerli & Kramer. His work has saved his clients lots of money and many sleepless nights. Todd’s clients describe him as “very professional and easy to work with.” He lives in Minneapolis with his wife and four children.