This page will provide an overview of Minnesota's Repossession Laws and what you should know if you've fallen behind on car payments. This fact sheet talks about repossessions, what can be taken, and what to do if your property is being repossessed.You can use SoloSuit's Answer Form to respond to a debt collection Summons in Minnesota. If you're being sued for a repossession deficiency, use our Minnesota Collection Lawsuit Guide to familiarize yourself with the process. Minnesota has a state law that regulates thirdparty debt collection agencies and debt buyers. We welcome your call today at 952-295-3935 (or fill out the free case evaluation form below) to help you through the legal issues of your case. Recapping Part One: If you're served with a summons and complaint in Minnesota, you must answer within 21 days. If you are being sued or believe you have a good reason not to pay, contact your local legal aid office for help at 1-(877) 696-6529. In your Answer, you should focus on responding to the allegations listed in the Complaint. At this stage in a lawsuit, the burden of proof is not on you.