The Minnesota Department of Commerce licenses collection agencies and debt collectors. We closely monitor the industry to ensure full compliance with state laws, protect Minnesota consumers, and promote a healthy, competitive marketplace.

A Collection Agency is a business that collects, for others, bills or other indebtedness from debtors who have not paid an account to a creditor. Collection Agencies also include "letter service" companies that supply creditors with form letters directing debtors to make payments to the creditor. See M.S. 332.31 to 332.45.

A Debt Collector is a person employed by a Collection Agency to collect bills or other indebtedness from debtors who have not paid an account to a creditor. See M.S. 332.31 to 332.45.