Minnesota Disputed Credit Card Debt

In Minnesota, the Conciliation Court acts as a small claims court to help people recover money in disputed credit card purchases up to $4,000. There is a small filing charge. You do not have to hire a lawyer but if you are uncomfortable talking or think a lawyer can better explain your case you may ask the judge to let a lawyer represent you. However, the Conciliation Court is informal and the rules make it easy to present your case yourself. Any person over 18 may sue in Conciliation Court. A person under 18 must be represented by a parent or guardian.

There are, however, many things to consider before using the Conciliation Court. If the amount is above $4,000 then you are generally giving up any right to recover the amount above that court limitation. The Conciliation Court usually can’t force a company to do that you have already paid for such as finishing the work agreed to. It’s purpose is to recover money paid for goods or services not delivered in agreed to fashion. Before you file remember that you have to appear in court when your case is scheduled and that date may move several times. You will not be paid by the court or the business for lost time at work. Out of state companies should be sued using a lawyer in regular court.

Each county has a Conciliation Court and if you have questions you can talk to the court administrator about whether it is possible to bring a claim before the court. You can also go to the Attorney General Office web site where they offer a guide to the Conciliation Court and a listing of Conciliation Court telephone numbers. The site also has many other tips and articles such as how to avoid scam artists and other fraud, deal with utility companies, and handle your personal finances.