Is Messerli & Kramer Collections on Your Credit Report?
Short answer: Messerli & Kramer Collections (Messerli Kramer) is a real, legitimate collection law firm based in Plymouth, MN, operating since 1929. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Messerli & Kramer Collections?
Messerli & Kramer, P.A. is a Minnesota collection law firm litigating credit card and purchased-debt accounts, often on behalf of debt buyers.
You may also see this company on your report or in letters as: Messerli Kramer, M&K, Messerli & Kramer PA.
What most people don't know about Messerli Kramer:
Messerli & Kramer is one of Minnesota's largest collection law firms and files a high volume of consumer suits, frequently for debt buyers — Minnesota requires proof of assignment, which is a central point to contest on purchased debt.
Why Is Messerli Kramer on My Credit Report?
Messerli & Kramer Collections typically collects credit card debt, purchased debt, consumer loans. A collection like this usually lands on your report because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off.
- ✅ The account was placed with Messerli & Kramer Collections to collect on behalf of the original creditor.
- ✅ Messerli & Kramer Collections furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Messerli Kramer Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Messerli Kramer a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Messerli Kramer tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Messerli Kramer stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Messerli Kramer can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Messerli Kramer from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Messerli Kramer
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Messerli Kramer entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Messerli & Kramer Collections — Frequently Asked Questions
Is Messerli & Kramer Collections a scam or a legitimate company?
Messerli & Kramer Collections is a real, registered collection law firm headquartered in Plymouth, MN, in business since 1929. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Messerli Kramer, so always demand written validation before paying anything.
Why is Messerli & Kramer Collections on my credit report?
Messerli & Kramer, P.A. is a Minnesota collection law firm litigating credit card and purchased-debt accounts, often on behalf of debt buyers. It most commonly collects credit card debt, purchased debt, consumer loans. It likely appeared after an original account went unpaid and was placed with them for collection. Messerli & Kramer is one of Minnesota's largest collection law firms and files a high volume of consumer suits, frequently for debt buyers — Minnesota requires proof of assignment, which is a central point to contest on purchased debt.
Can Messerli & Kramer Collections be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Messerli Kramer collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Messerli & Kramer Collections cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Messerli & Kramer Collections or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Messerli Kramer.
How long can Messerli & Kramer Collections report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Messerli & Kramer Collections acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Messerli & Kramer Collections sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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