Messerli & Kramer


Is Messerli & Kramer hurting your credit score?

Schedule a free credit consultation to find out how you can 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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

(While debt collectors may not want this information to be 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 work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

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

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Messerli & Kramer may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Messerli & Kramer must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Messerli & Kramer cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Messerli & Kramer From Your Credit Report Today!

Credit Saint can assist you in disputing Messerli & Kramer accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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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.