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Credit Issues
Farmers' Guide to Minnesota Lending Law Credit is the lifeblood of farming. Farming without a working knowledge of lending law - or the resources to buy legal assistance - can have devastating results. Serious price, production, and weather difficulties almost always become credit problems. The stark and ongoing reality is that many mortgaged farms are lost or nearly lost to foreclosure, property pledged as collateral is repossessed, judgment liens are entered - and the livelihood of Minnesota's family farmers is threatened in these circumstances. Credit problems are almost always legal problems. In an ideal world, the law would be clear enough and the legal system fair enough that everyone would be on a more or less even footing in legal matters. Unfortunately, the law can be complicated, and even where the law is simple at its core, legal language is confusing and difficult. This updated and revised edition of Farmers' Guide to Minnesota Lending Law gives farmers timely information on important lending law topics. A bound copy of the book is available without cost to financially distressed Minnesota farmers by calling 1-877-860-4349. For other persons, the charge is $20 per book plus shipping, and orders can be placed by clicking here. Download the complete book (1.8 MB) or download it in seven smaller files:
Farmers' Guide to FmHA A guide that explains in lay terms the rights of farmers and ranchers who borrow from FmHA. Contains detailed explanations of many topics that were not covered in the first three editions, such as guaranteed loans, conversion, and the classification and sale of inventory property. Contains extensive footnotes to the FmHA regulations and is suitable for use by attorneys, legal assistants, farmers and ranchers, and advocates. Approximately 440 pages. (Note that this was published in 1990, and while it is useful for explaining farmers' rights as of that time, much of the material is now out of date.) 
The Agricultural Credit Act of 1987 Provides a thorough analysis of the act, including borrowers' rights with FmHA and FCS, FmHA's debt restructuring and homestead protection programs, the new FCS structure, how the act affects bankruptcies, the secondary mortgage market, and more. Also answers commonly-asked questions about the new law. 110pages.
A guide for farmers who had loans at banks that failed. Explains FDIC's structure, goals, and roles; FDIC's policies; FDIC’s effect on you and your community; and tactics that work in dealing with FDIC. 54 pages.
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Thank you for visiting FLAG's web site. Please note that the information located on this site is not intended to provide specific legal advice. You should consult an attorney and not rely on any information contained herein regarding your specific situation. 
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