Skip to content

Learn About Our Attorneys’ Law Practice Areas

Debt Collection


We collect consumer debts at all stages, from initial placement of the claim through post-judgment enforcement, all while taking care to comply with state and federal debt collection regulations. Cottrell Green PA also handles replevin actions to recovery collateral and probate claims in a deceased's estate.


We offer commercial debt collection services, with flexible compensation arrangements, including contingency rates.

Creditor Representation in Bankruptcy

Our services in bankruptcy proceedings include motions to lift stay in order to repossess collateral, adversary actions to have debts declared nondischargeable for fraud, and others.

Consumer and Commercial Debt

Cottrell Green has engaged in consumer debt collection from its very start. Consumer debt collection is a highly specialized field of practice with its own unique laws, rules, and terminology. Many people without any legal education may understand what a Plaintiff and Defendant are in a lawsuit, but few people know, or have heard of, the terms “replevin,” “writ of execution,” or “garnishments.”


While unique terms of art are common in all fields of law, it is indeed uncommon for the majority of practicing lawyers to be familiar with debt collection in general. Because of the specialized knowledge required for debt collection, most law firms will not want to focus on this one area of law. Both federal and state law is frequently enacted in this area, and large amounts of collection lawyers’ time is devoted to staying up to date with changes in the law.

Due to the detailed knowledge required, many collection law firms take on as many files as possible, and sometimes, overload their attorneys and staff to a point that they are unable to timely respond to their clients. At Cottrell Green, we take a different approach. We strive to be available for clients and consumers during business hours, and that everyone who contacts Cottrell Green can easily discuss their file with an attorney or staff member.

Cottrell Green’s consumer debt collection practice involves:

  • Negotiating settlements and payment arrangements and monitoring those arrangements for timely payment.
  • Consumer debt collection lawsuits in both Minnesota and North Dakota for credit cards, lines of credit, student loans, promissory notes, deficiencies, and auto loans.
  • Replevin actions to recover collateral, such as motor vehicles.
  • Collecting probate assets from decedent estates.
  • Judgment enforcement, including wage garnishments, bank levies, and orders for disclosure.
  • Cottrell Green represents both original creditors and debt buyers.
  • Bankruptcy practice, including filing proofs of claim, adversary actions to have debt declared non- dischargeable, and obtaining dismissals of bankruptcies.
  • Fair Debt Collection Practices Act-related legal advice and representation.

Estate Planning

Will, Power of Attorney, Healthcare Directives

Estate planning is necessary to prepare your assets in the event you are no longer available to provide for yourself. Taking the time make for arrangements now can alleviate your loved ones from the added burden of administering your estate when you pass away.

General Civil Litigation

  • Civil
  • Construction/Business Law

Civil: Our combined experience includes representation of parties involved in various civil disputes, such as fraud, piercing the corporate veil, nuisance claims, trespassing, and corporate disputes. This includes representation from motion practice, trial, and appeals.

Construction & Business Law: We offer representation in pursuing mechanics' lien foreclosure actions, bond claims on projects for state owned property, as well as assistance in business formation.

Alternate Dispute Resolution (ADR)

  • Mediation
  • Arbitration

Consumer Protection

  • Timeshare Exit Negotiations
  • Debt Negotiations

Alternative Dispute Resolution ("ADR")

Mediation: William G. Cottrell mediates disputes between parties, including contested family law matters, for reasonable rates and fee structures. Mediation allows the palties involved to come to a confidential and convenient resolution of uncertain and costly lawsuits.

Arbitration: William G. Cottrell offers arbitration services for civil disputes.

Consumer Protection

Timeshare Exit Negotiations: If you find yourself in a situation where you are paying ever increasing association fees for your rarely used time share, we provide a way out. For an affordable fee we have successfully in negotiated releases from timeshare obligations.

Debt Negotiations: Settle your unpaid bills for the fraction of the amount your owe.

Scroll To Top