Skip to content

What We Do


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.