Dispute medical bills or collections that are incorrect, inflated, or improperly billed. This template is customized for Minnesota residents with relevant state law citations.
Minnesota Legal Requirements
Your demand letter should reference Minnesota-specific laws including FDCPA.
- FDCPA
- Minnesota Collection Agency Act - Minn. Stat. § 332
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Minnesota small claims court or file a complaint with Minnesota Commerce Dept / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Medical Debt Dispute FAQs for Minnesota
What laws protect me in Minnesota for medical debt dispute?
Minnesota consumers are protected by FDCPA and Minnesota Collection Agency Act - Minn. Stat. § 332. Your demand letter should reference these specific statutes.
What is the small claims limit in Minnesota?
The small claims court limit in Minnesota is $15,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Minnesota?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Minnesota Demand Letter
Generate a professional medical debt dispute demand letter tailored for Minnesota. Our free tool includes relevant state law citations.
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