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	<title>The Todd Murray Law Firm &#187; Consumer law &amp; policy</title>
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		<title>6 tips if you must buy a vehicle from a buy-here pay-here dealership</title>
		<link>http://toddmurraylaw.com/6-tips-if-you-must-buy-a-vehicle-from-a-buy-here-pay-here-dealership/</link>
		<comments>http://toddmurraylaw.com/6-tips-if-you-must-buy-a-vehicle-from-a-buy-here-pay-here-dealership/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 15:07:43 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[buy here pay here]]></category>
		<category><![CDATA[repossession]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2151</guid>
		<description><![CDATA[The L.A. Times is currently running an investigative series on so-called Buy-Here Pay-Here auto dealerships. The first installment describes the basic business model used by these businesses and  identifies a number of the pitfalls of buying a vehicle from them.
A buy-here pay-here dealership is, as the name suggests, a dealership  that finances the [...]]]></description>
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		<title>Senator Franken introduces Arbitration Fairness Act to protect consumers&#8217; rights</title>
		<link>http://toddmurraylaw.com/senator-franken-introduces-arbitration-fairness-act-to-protect-consumers-rights/</link>
		<comments>http://toddmurraylaw.com/senator-franken-introduces-arbitration-fairness-act-to-protect-consumers-rights/#comments</comments>
		<pubDate>Thu, 19 May 2011 11:00:33 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[Al Franken]]></category>
		<category><![CDATA[class action ban]]></category>
		<category><![CDATA[FAA]]></category>
		<category><![CDATA[forced arbitration]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2024</guid>
		<description><![CDATA[A group of U.S. Congressmen, including Minnesota&#8217;s Al Franken, introduced a new bill that would eliminate forced arbitration clauses in employment, consumer, and civil rights contracts. The impetus behind the proposed law appears to be the recent U.S. Supreme Court decision in AT&#38;T v. Concepcion. In Concepcion, consumers sued AT&#38;T for false advertising. Because the [...]]]></description>
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		<title>Florida court rules that debt collector can&#8217;t use Facebook to contact a debtor&#8217;s family</title>
		<link>http://toddmurraylaw.com/florida-court-rules-that-debt-collector-cant-use-facebook-to-contact-a-debtors-family/</link>
		<comments>http://toddmurraylaw.com/florida-court-rules-that-debt-collector-cant-use-facebook-to-contact-a-debtors-family/#comments</comments>
		<pubDate>Thu, 28 Apr 2011 11:30:25 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[FDCPA]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2015</guid>
		<description><![CDATA[Last December, I posted about a Florida woman who sued a debt collector for contacting her family on Facebook. It turns out that the judge agreed with her and ruled last month that the debt collector could no longer contact her&#8211;or her  family and friends&#8211;on Facebook or any other social-networking site. Click below for [...]]]></description>
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		<title>Lost your wallet? 9 steps to take to protect yourself from identity theft.</title>
		<link>http://toddmurraylaw.com/lost-your-wallet-9-steps-to-take-to-protect-yourself-from-identity-theft/</link>
		<comments>http://toddmurraylaw.com/lost-your-wallet-9-steps-to-take-to-protect-yourself-from-identity-theft/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 16:09:24 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[lost wallet]]></category>
		<category><![CDATA[preventing identity theft]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2010</guid>
		<description><![CDATA[Losing your wallet (or having it stolen) can be a nightmare. Here are 9 steps to take to limit the damage, courtesy of Money Health Central:

1.  Call the police.  Report the crime.
2.  Call the credit card company and debit card banks to report the theft immediately.  They can deactivate the cards to prevent further charges.  [...]]]></description>
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		<title>Surprise! Credit card account &#8220;protection&#8221; products are a waste of money</title>
		<link>http://toddmurraylaw.com/surprise-credit-card-account-protection-products-are-a-waste-of-money/</link>
		<comments>http://toddmurraylaw.com/surprise-credit-card-account-protection-products-are-a-waste-of-money/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 11:30:46 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[Credit protection products]]></category>
		<category><![CDATA[GAO study]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2004</guid>
		<description><![CDATA[According to a Government Accountability Office report, account protection products offered by credit card companies, such as programs that suspend or cancel the cardholder&#8217;s debt if the cardholder loses his job, are basically a rip-off. The GAO study shows that in 2009, consumers spent $2.4 billion (yup, with a &#8220;b&#8221;) on credit card protection programs, [...]]]></description>
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