Free Consumer Resources

Our forms, guides, and reference materials are free. Enter your e-mail address in the form below, and we will send you the resources you request. We will also send you reminders by e-mail to help you use the forms and resources effectively.

These forms are for use in Minnesota only. Neither the forms nor the reminders we may send are meant as legal advice or sufficient to form an attorney-client relationship. If you have a legal question, contact us for a free case evaluation.

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Which resources do you want?

• Answer & Discovery Requests
• Collection Communications Log
• Credit Report Dispute Letter
• Credit Report Request Letter
• Recording Collection Calls
• Reference Materials
• Request for Debt Validation Letter

More about our resources:

Forms

• Answer & discovery requests for a debt-buyer lawsuit (PDF) These forms can be used for a formal response to a debt buyer lawsuit.
• Collection communications log (PDF or DOC) This log should be used to record as much detail as possible about every communication with a debt collector.
• Credit report request letter (PDF) This letter can be used to request current copies of your credit reports.
• Credit report dispute letter (PDF) This letter can be used to dispute inaccurate information on your credit report.
• Request for validation letter (PDF) This letter can be used to demand validation of a debt within 30 days of the first written communication by a debt collector.

Guides

• Recording Collection Calls: Three Easy Steps A short guide to recording debt collection phone calls.

Reference

• Offensive Defense (PDF). An introduction to debt collection lawsuits and the Fair Debt Collection Practices Act.
• Has the Flood of Debt Collection Lawsuits Swept Away Minnesotans’ Due Process Rights? (PDF) From the William Mitchell Law Review, volume 35, number 3 (2009).