Minnesota Statutes Trade Regulations, Consumer Protection (Ch. 324-341) § 332.73. Notice to creditor of coerced debt

Subdivision 1. Notification. (a) Before taking an affirmative action undersection 332.74, a debtor must, by certified mail, notify a creditor that the debt or a portion of a debt on which the creditor demands payment is coerced debt and request that the creditor cease all collection activity on the coerced debt. The notification and request must be in writing and include documentation. If not already included in documentation, the notification must include a signed statement that includes:

(b) The creditor, within 30 days of the date the notification and request is received, must notify the debtor in writing of the creditor's decision to either immediately cease all collection activity or continue to pursue collection. If a creditor ceases collection but subsequently decides to resume collection activity, the creditor must notify the debtor ten days prior to the date the collection activity resumes.

(c) A debtor must not proceed with an action undersection 332.74until the 30-day period provided under paragraph (a) has expired.