Subdivision 1.Terms
The terms in this section for the purposes of sections 332.31 to 332.45 shall have the meanings given them.
Subd. 2. Person
“Person” canadian online pharmacy viagra means and includes individuals, partnerships, associations or corporations.
Subd. 3. Collection agency.
“Collection cialis 20mg vs 40mg agency” means and includes any person engaged in the business of collection for others any account, bill or other indebtedness except as hereinafter provided. It includes persons who furnish collection systems carrying a name which simulates the name of a collection agency and who supply forms order generic cialis online uk or form letters to be used by the creditor, even though such forms direct the debtor to make payments directly
to the creditor rather than to such fictitious agency.
Subd. 6. Collector
“Collector” is a person acting under the authority of a collection agency under subdivision 3, and on its behalf in the business of collection for others an account, bill, or other indebtedness except as otherwise provided in this chapter.
Subd. 7. Exempt out-of-state collection agency
“Exempt out-of-state collection agency” means a collection agency that has no physical presence in this state, that is engaged in the business of collecting claims on behalf of creditors that have no physical presence in this state, and that only conducts business within this state by means of interstate communications including telephone, mail, and facsimile transmission
332.32 EXCLUSIONS
The term “collection agency” shall not include persons whose collection activities are confined to and are directly related to the operation of a business other than that of a collection agency such as, but not limited to banks when collecting accounts owed to the banks and when the bank will sustain any loss arising from uncollectible accounts, abstract companies doing an escrow business, real estate brokers, public officers, persons acting under order of a court, lawyers, trust companies, insurance companies, credit unions, savings associations, loan or finance companies unless they are engaged in asserting, enforcing or prosecuting unsecured claims which have been purchased from any person, firm, or association when there is recourse to the seller for all or part of the claim if the claim is not collected.
332.37 PROHIBITED PRACTICES
No collection agency or collector shall:
to include a disclosure on the contact notice, in a type size or font which is equal to or larger than the largest other type of type size or font used in the text of the notice. The disclosure must state: “This collection agency is licensed by the Minnesota Department of Commerce.”
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