Whether You Owe The Debt Or Not, We Can Help You!
Has Messerli & Kramer Called From 763-548-7900 ?
Find out why they are calling
Get the calls to stop
Review your credit report
Answer your financial questions
All at ZERO COST to you.
CALL NOW 888-572-0176Or fill out the form to claim your
FREE no-obligation case review.
Tell us your story.
We'll make things right.
How it Works
We will stop harrassment immediately
If your rights have been violated, you may even be entitled to a money damages.
The other side pays our fees and costs, so there is ZERO COST to you.
Frequently Asked Questions
What is the Fair Debt Collection Practices Act?
The FDCPA applies to everyone in the county. It’s a list of what collection agencies can and cannot do while collecting a debt. Under the FDCPA, collection agencies cannot harass you while collecting a debt.
What is the Electronic Fund Transfer Act?
The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit card.
What is the Fair Credit Reporting Act?
The FCRA is a federal law that protects consumers’s information on their credit report. 40 million Americans have mistakes on their credit report. We will help you dispute inaccurate information on your credit report at no cost to you.
Do I have to pay your fees and costs?
No. We handle consumer rights cases based on a fee-shift provision. That means the other side pays your fees and costs. You will never pay us a penny.
Do states have their own laws to protect consumers?
Yes. Several states also have laws to provide their citizens with an additional layer of protection. All states also have laws to protect consumers from unfair and deceptive practices from big companies.
How does Mike Agruss Law help me?
The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit car.
We see you as a person, not just a client - and that makes us better at what we do. We learn your story. And, as we help you, we go above and beyond in a way most law firms never could and never would. Becuase we're not just lawyers. And you're not just a client. We're friends, neighbors, and family. We're all people and here at Mike Agruss Law, we put People First.
Top Collection Violations
Called you about a debt you do not owe.
Called you at work after you told them you cannot recieve calls at work.
Left you a message without identifying the company's name.
Left you a message without disclosing that the call is from a debt collector.
Called third-parties (family, friends. coworkers, or neighbours) even though the collection agency konws your contact information.
Disclosed your debt to a third-party (family, friends. coworkers, or neighbours).
Called you after you said to stop calling.
Threatened you with legal action (such as a lawsuit or wage granishment).
Called you before 8:00 AM or after 9:00 PM.
Continued to call you after you have told the collector yo cannot pay the debt.
Communicated (phone or letter) with you after you filed for bankruptcy.
Failed to mark the debt on your credit report as disputed after you disputed the debt.
Real Reviews From Real Clients
Exceptional Experience
Mike Bertucci handled my case professionally and successfully. Lakisha Joshua took time to understand my case with the utmost patience. Both Mike and Lakisha, in my opinion, are true assets to Agruss Law firm.
Pj Nyc
763-548-7900
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763-548-7900
763-548-7900
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Submitted Comments
Abdi
3 months ago
Because I love you guys
Ikran
7 months ago
Letter in the mail stating I’m getting sued by debt collector
An
8 months ago
Hello, my mother helped me open a bank account at Wells Fargo decades ago. She was the primary, then added me jointly. Neither of us use it except to get funds to each other (I\'m at a local credit union that doesn\'t have branches near her). A judgment was filed 7/21/23, and ruled against me 7/25/23. I had moved this year and had no idea this was coming. The case is in North Dakota, Case No. 51-2023-CV-01373 but they use my maiden name (I\'ve been married since 2013). They served an order to Wells Fargo to seize funds yesterday, so funds have been frozen but not sent yet. The funds frozen are actually my mom\'s, not mine.
Michael Agruss
2 years ago
Hi Xavier. I'm sorry that you're in financial hardships right now, it is definitely a tough time for many. You can send over a copy of that summons to my office at [email protected]. I will review it and call you to discuss what options you could have in regard to your debt. Thanks, Mike
XAVIER
2 years ago
Lvnv funding purchased my closed Credit one credit card account and had a summons delivered to me 9/28/22. I called to settle the debt and they refused my offer. $1100 of an inflated $2114.00 demand. Im in financial hardship ,sold my van to get the money.
Michael Agruss
2 years ago
Hi Jacquelin. If you're dealing with debt collection calls and you want them to stop, give me a call. I have helped many consumers just like you to deal with these frustrating calls and get them stopped once and for all. You can reach my office at 312 300 5996 at your earliest convenience. Thanks, Mike
Michael Agruss
2 years ago
Hi Gwen. It is amazing what these debt collectors can find out about you online. They can even find out who you are friends with, who your family is, and even who you may have dated years ago! If you'd like to speak about these calls and discuss how to get them to stop--reach out to me at 312 300 5996. Thanks, Mike
Michael Agruss
2 years ago
Hello Ken and Theresa. Debt collectors cannot typically garnish an account without a court order. Did you possibly miss the court hearing due to the incomplete information on the summons? Can you send me a copy of the summons to [email protected]? I will look it over and contact you about this situation to see how we can get this resolved. Thanks, Mike
Ken & Theresa
2 years ago
Messerli harassed us to the point of sending a police officer to my house to hand-deliver an incomplete court summons (no court date and no case #). Calls and emails to them to make payment arrangements went unanswered from day one, including communication prior to the officer arriving. Now they have garnished our bank account with no warning. No phone call from them. No mailed documents. They did not get the full amount we owe, but left us with $1 in the account. Side note: We can't believe they can waste public service resources by taking an officer's time to hand-deliver fake (or at least unclear, incomplete) court docs for a credit card bill.
Gwen
4 years ago
The 763-548-7900 Messerli-Kramer keep called at my work few times since last week and this week. How did they get my work phone number .
Jacquelin
6 years ago
They pmt spp calling
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