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The booklet outlines available legal help for people with low income and provides guidance on managing credit card debt and obtaining credit reports. It covers rights under the Fair Debt Collection Practices Act, including dispute procedures, written notices, payment plans, and stopping abusive calls and letters. 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This booklet only gives general rules which may or may not apply to your situation.  \nFor legal advice, contact a lawyer. If you have a low income and need legal help, call your legal aid office at 1 (877) 696-6529 or look for help from other programs at [www.lawhelpmn.org/providers-and-clinics](www.lawhelpmn.org/providers-and-clinics).  \nIf you have a low income, you can get a free copy of this booklet from your local Legal Services office.  \nYou can also see booklet info  \n• Online [at www.LawHelpMN.org](at www.LawHelpMN.org) to view or print out.  \n• Purchase a printed booklet for $7.48 (which includes applicable sales tax, postage, and handling) [by going to www.mnlegalservices.org/orderbooklets](by going to www.mnlegalservices.org/orderbooklets)  \nIf you have questions about ordering a booklet, email us at [statesupport@mnlegalservices.org](statesupport@mnlegalservices.org). For free information about this and other civil legal topics, [visit](visit www.LawHelpMN.org)[ ](visit www.LawHelpMN.org)[www.LawHelpMN.org](visit www.LawHelpMN.org).  \n© 2025 Minnesota Legal Services Coalition. This document may be reproduced and used for noncommercial personal and educational purposes only. All other rights reserved. This notice must remain on all copies. Reproduction, distribution, and use for commercial purposes is strictly prohibited.  \nTable of Contents  \nWhat This Booklet Is About .........................................................................................................6  \nCHAPTER 1 You Can Get Help Managing Your Debts ...................................................................7  \nTypes of Businesses that Collect Debt.....................................................................................7  \nCHAPTER 2-Credit Cards ............................................................................................................8  \nOther Things to Consider .........................................................................................................8  \nShould You Cancel Your Credit Card? ......................................................................................9  \nKeeping Credit Card Debt Low .................................................................................................9  \nGetting Credit Reports.............................................................................................................9  \nCHAPTER 3-Your Rights under the Fair Debt Collection Practices Act .......................................10  \nWritten Notice ...................................................................................................................... 10  \nDisputing a Debt.................................................................................................................... 10  \nPayment Plans....................................................................................................................... 10  \nPaying on Multiple Debts ...................................................................................................... 11  \nPost-Dated Checks ................................................................................................................ 11  \nStopping the Calls and Letters ............................................................................................... 11  \nWhat is abuse and harassment? ............................................................................................ 12  \nEnforcing Your Rights ............................................................................................................ 12  \nCHAPTER 4-The Threat of a Lawsuit......................................................................................... 13  \nHow Do You Know You Are Being Sued?.......................................................","cbCairbz0Hty73dw","https://ap.wps.com/l/cbCairbz0Hty73dw","pdf",2017866,64,"English","# What This Booklet Is About\n# CHAPTER 1 You Can Get Help Managing Your Debts\n## Types of Businesses that Collect Debt\n# CHAPTER 2-Credit Cards\n## Other Things to Consider\n## Should You Cancel Your Credit Card?\n## Keeping Credit Card Debt Low\n## Getting Credit Reports\n# CHAPTER 3-Your Rights under the Fair Debt Collection Practices Act\n## Written Notice\n## Disputing a Debt\n## Payment Plans\n## Paying on Multiple Debts\n## Post-Dated Checks\n## Stopping the Calls and Letters\n## What is abuse and harassment?\n## Enforcing Your Rights\n# CHAPTER 4-The Threat of a Lawsuit\n## How Do You Know You Are Being Sued?\n## How to Respond to a Lawsuit\n## Responding in Conciliation Court (Small Claims Court)\n## Getting Ready for Conciliation Court\n## If You Lose in Conciliation Court\n## Responding in District Court\n# CHAPTER 5-Wage and Bank Garnishment and Your Rights\n## Can your benefits be garnished?\n## Can they take money from your bank account?\n## How to Claim a Bank Account Exemption\n## Can they take money out of your paycheck?\n## If you don’t have exemptions, how much can they take?\n## How to Claim a Paycheck Exemption\n## What happens after you claim an exemption for your paycheck or bank account?\n## What if the debt collector objects?\n## “Exempt” Property\n# CHAPTER 6 – Medical Debt","[{\"question\":\"What should someone do if they need legal help for debt but have low income?\",\"answer\":\"People with low income can request a free copy of the booklet from local Legal Services offices. They can also contact their legal aid office for assistance or look for help through other programs.\"},{\"question\":\"What rights does the booklet describe under the Fair Debt Collection Practices Act?\",\"answer\":\"It explains rights including written notice, disputing a debt, payment plans, handling multiple debts, and stopping calls and letters. It also discusses what counts as abuse or harassment and how to enforce rights.\"},{\"question\":\"How does garnishment work for wages and bank accounts, and what exemptions may apply?\",\"answer\":\"The booklet covers whether benefits can be garnished, whether money can be taken from a bank account, and how to claim bank account exemptions. It also explains paycheck garnishment, how much can be taken without exemptions, how to claim a paycheck exemption, and what happens after an exemption claim.\"}]","Dealing with Debt - Your Rights and Responsibilities in Minnesota - Sixth Edition 2025 | PDF",1789548257,22]