Blogs

Kids and Credit Fraud: How to Check Your Child’s Credit File

Theoretically, there should be no credit files in existence at Equifax, Transunion, or Experian for children ages 13 and under, unless they have already been the victim of fraud. But that’s not a hard-and-fast rule, and you may want to find out if your minor children have credit files established, and take control of those file, if you can.

Unfortunately, there is no federal law currently allowing parents/guardians to freeze credit reports for minors.

Minnesota’s Expanded Innocent Co-Owner Defense Allows Innocent Joint Owners to Contest Vehicle Seizures in DWI Cases

Last April, Minnesota Governor Mark Dayton signed into law SF 151, which fundamentally expanded an innocent owner’s right to contest the unlawful forfeiture of their vehicle. Now innocent owners enjoy more protections and will be able to force the government to return vehicles that would have previously been sold at auction.

Freezing Your Credit Files with Equifax, Transunion and Experian

In the wake of the massive Equifax data breach, you may be considering placing a security freeze on your credit files with the three major credit bureaus (Equifax, Experian, and Transunion). A freeze effectively prevents any new credit accounts from being created in your name because it stops potential creditors from accessing your credit report. The vast majority of potential creditors won’t approve a new credit application without a credit report.

Why do judgments still appear on my credit report even after I’ve filed for bankruptcy?

Many bankruptcy clients wonder why civil judgments (for credit card debt and other types of debt) still appear on their credit reports even after they have filed for bankruptcy and received a discharge order discharging the underlying debt.

Gun Rights Restoration in Minnesota

A recent Supreme Court decision, Voisine v. United States, put gun rights in the news once again. This decision affirmed federal law that triggers the loss of Second Amendment rights – the right to bear arms – in the case of certain domestic-abuse convictions, including misdemeanor convictions. Justice Clarence Thomas dissented in this case, writing that we treat “no other constitutional right so cavalierly . . .

No-Fault Insurance Basics for Minnesota Auto Accidents

No-fault personal injury protection (PIP) coverage is required by Minnesota law and provides basic economic loss benefits for losses sustained “…through injury arising out of the maintenance or use of a motor vehicle.” Minn. Stat. §65B.44 Subd.1(a). These benefits are paid by one’s own automobile insurance carrier without regard to “fault”; it does not matter who is to blame for the accident.

Minnesota Supreme Court Upholds Law Allowing Criminal Prosecution of Breath Test Refusals

The Minnesota Supreme Court recently issued a decision in State v. Bernard, a case that challenged the constitutionality of a state law that criminalizes a breath test refusal in an investigation for driving under the influence of alcohol (DWI).

Should States Reform Mandatory Minimum Sentencing Laws?

Mandatory minimum sentencing laws exist on both the federal and state levels. These laws require prison or jail sentences for certain criminal offenses. For example, in Minnesota, offenders may face mandatory minimum sentences for multiple DWI convictions, sex offenses, gun and weapon charges, and for controlled substance charges.

Ignition Interlock Offers Options for Driver’s License Reinstatement after a DWI

Having your driver’s license revoked as a result of a DWI can cause significant hardship, as you may not have transportation to your job, school, medical appointments, and more. Additionally, if your job duties require you to have a driver’s license, you may risk losing your employment. Fortunately, Minnesota’s Ignition Interlock Device Program can help most people with an alcohol-related revocation to get their driving privileges reinstated.

Ramsey County Mental Health Court

The Ramsey County criminal justice system recognizes that many criminal offenders have significant underlying issues that attributed to their criminal actions and, therefore, may require additional resources to ensure they do not end up back in court in the future. For this reason, specialized programs such as drug courts, DUI courts, and veterans courts are in place to assist eligible offenders.

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