Messerli & Kramer


Is Messerli & Kramer hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Messerli & Kramer?

Messerli & Kramer, P.A. (M & K) is a debt collection law firm, with offices in Minneapolis, St. Paul, and Plymouth, Minnesota. Their primary role is to help businesses retrieve money that is owed to them.

If you notice Messerli & Kramer listed on your credit report as a collections account, it typically means that they are handling a debt you’ve defaulted on.

Who does Messerli & Kramer collect for?

Messerli & Kramer specializes in providing debt collection services for some of the nation’s largest banks and financial services companies. These services can range from recovering unpaid loans, credit card debts, overdrafts, to other forms of unpaid financial obligations.

Is Messerli & Kramer legit or a scam?

Messerli & Kramer is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you are contacted by Messerli & Kramer claiming you owe a debt, it’s essential to validate the debt before making any payments.

How can I remove Messerli & Kramer from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Messerli & Kramer, P.A. Contact Information


Messerli | Kramer
1400 Fifth Street Towers
100 South Fifth Street, Suite 1400
Minneapolis, MN 55402

525 Park Street, Suite 130
Saint Paul, MN 55103

3033 Campus Drive, Suite 250
Plymouth, MN 55441

Phone number: (612) 672-3600 or (651) 228-9757

Should I contact or pay Messerli & Kramer?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with the law firm of Messerli & Kramer is to work with a credit repair professional. They help remove millions of negative items every year from companies like Messerli and Kramer on behalf of their clients.

Will Messerli & Kramer sue me or garnish my wages?

Messerli & Kramer can initiate legal proceedings against debtors. If they choose to sue for an unpaid debt and the court rules in their favor, the judgement could potentially lead to wage garnishment or other means of asset seizure, depending on the specific laws and regulations of your state.

However, initiating a lawsuit, obtaining a judgment, and moving forward with wage garnishment is often a last resort, as it can be a time-consuming and costly process. Many debt collectors, including law firms, would typically prefer to negotiate a payment plan or a debt settlement agreement before resorting to such measures.

Messerli & Kramer, P.A. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Messerli & Kramer, P.A.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Messerli & Kramer to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Messerli & Kramer cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Messerli & Kramer must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Messerli & Kramer cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Messerli & Kramer From Your Credit Report Today!

Credit Saint can help you dispute Messerli & Kramer accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.