Messerli Kramer is a Minnesota law firm with a consumer collections group that collects and sues on unpaid accounts for banks and financial companies. A letter or lawsuit from the firm usually concerns an account with a bank or other lender, a student loan, a medical bill or an auto deficiency.
- Type
- Collection law firm
- Also known as
- Messerli & Kramer P.A.; Messerli | Kramer
- Headquarters
- Minneapolis, MN
- Collects
- bank and financial-institution accounts, student loans, medical bills, auto deficiency balances
- Phone numbers it lists
- (763) 548-7900, (612) 672-3600
- Website
- messerlikramer.com
156 debt collection complaints were sent to the Consumer Financial Protection Bureau about Messerli & Kramer P.A. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Messerli Kramer?
Messerli Kramer is a Twin Cities law firm that its website says was "founded in 1965." It serves businesses and individuals through several divisions, one of which is a consumer collections and creditors' remedies group. The firm's headquarters is at 50 S. 6th Street, Suite 2300, in Minneapolis, (612) 672-3600, and its collections office is at 3033 Campus Drive, Suite 250, in Plymouth, Minnesota, (763) 548-7900. Consumers can pay accounts through the firm's "MK Bill Pay" portal.
The collections group says it has attorneys licensed in Minnesota, Wisconsin, Nebraska, Iowa, North Dakota, South Dakota, Montana, Colorado and Ohio, and it handles collection litigation in those states.
We did not find a CFPB enforcement action against Messerli Kramer.
Why Messerli Kramer May Be Contacting You
The firm describes its collections practice as debt collection services "for financial institutions" and says it serves "some of the nation's largest banks and financial services companies." The services it lists include student loan collections, medical collections, replevin and auto deficiency claims, lawsuits and judgments, post-judgment discovery, garnishments and levies, and bankruptcy work such as proofs of claim.
A letter from Messerli Kramer often means a lender has moved a charged-off account to litigation counsel. It may be a first demand letter, or it may come with, or shortly before, a summons and complaint. If you were served, the deadline to respond runs from service, not from any phone call; see what to do first if you are sued.
How to Check a Debt Messerli Kramer Says You Owe
When a law firm is collecting, the paperwork matters even more, because it may later become evidence in court.
- Read the validation notice. A collection law firm must send the notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, naming the creditor, itemizing the balance and giving your dispute deadline. A lawsuit does not cancel this right.
- Dispute in writing within the validation period. Ask for the account agreement, charge-off statement and payment history. Collection must pause until verification is mailed.
- Identify the plaintiff or creditor. Is it the original bank or a buyer that purchased the account? If it is a buyer, ask for the chain of assignment.
- For auto deficiencies, check the sale. Ask how and when the vehicle was sold and how the sale price was credited (auto deficiency questions).
- Check the date of default. Texas generally gives four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). The states where Messerli Kramer practices set their own limitation periods.
What Messerli Kramer Can and Can't Do
Lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). See can a collection law firm be a debt collector.
- A collection suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
- Letters from a law firm may not suggest an attorney personally reviewed your account if none did (15 U.S.C. § 1692e(3)).
- Once you have a lawyer and the firm knows it, it must deal with your lawyer instead of you (15 U.S.C. § 1692c(a)(2)).
- Its services list includes garnishment, but in Texas wages cannot be garnished for an ordinary consumer debt, even after a judgment.
Visit our FDCPA attorneys page to learn more.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Messerli Kramer or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Messerli Kramer: home page
- Messerli Kramer: About
- Messerli Kramer: Consumer Collections & Creditors' Remedies
- Messerli Kramer: Contact Us
- CFPB enforcement actions search: Messerli
- CFPB Consumer Complaint Database: Messerli & Kramer P.A., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Messerli Kramer has violated any law. Company details change; tell us if something here is out of date.