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	<title>The Todd Murray Law Firm</title>
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		<title>How to request validation of a debt</title>
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		<pubDate>Thu, 11 Mar 2010 16:56:53 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment & abuse]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[validation of debt]]></category>

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		<description><![CDATA[The Fair Debt Collection Practices Act (FDCPA) gives consumers the right to request validation of a debt. Under the FDCPA, a debt collector must send you a written notice within 5 days of their first communication with you. The notice must tell you, among other things, about your right to request validation of the debt.
In [...]]]></description>
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		<title>Funny or Die&#8217;s Presidential Reunion tackles the Consumer Financial Protection Agency</title>
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		<pubDate>Wed, 03 Mar 2010 19:13:00 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
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Funny or Die&#8217;s Presidential Reunion from Will Ferrell
Related Posts:How the FDCPA protects people from collection harassment and abuseElizabeth Warren on MSNBC: Consumer Financial Protection Agency could have prevented crisisCNN: Woman sues debt collector over husband's deathVideo: Elizabeth Warren interview with The New Yorker about her Consumer Financial Protection AgencyCredit card bill of rights update]]></description>
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		<title>FreeCreditReport.com ads will soon have to tell you that the credit report isn&#8217;t really free</title>
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		<pubDate>Tue, 02 Mar 2010 22:06:59 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
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		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[AnnualCreditreport.com]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[FreeCreditReport.com; Credit Card Act]]></category>

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		<description><![CDATA[Most of you are familiar with the FreeCreditReport.com commercials. And many of you also know that the credit report provided by FreeCreditReport.com isn&#8217;t actually, you know, free.
But under the newly enacted Credit CARD Act, FreeCreditReport.com and other sites like it will soon be required to include a disclaimer in their ads that &#8220;this is not [...]]]></description>
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		<title>&#8220;Make it Rain&#8221; &#8212; The Daily Show&#8217;s take on the CARD Act</title>
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		<comments>http://toddmurraylaw.com/make-it-rain-the-daily-shows-take-on-the-card-act/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 13:35:45 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
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The Daily Show With Jon Stewart
Mon &#8211; Thurs 11p / 10c


]]></description>
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		<title>What should I do when a debt collector gets a judgment against me?</title>
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		<comments>http://toddmurraylaw.com/what-should-i-do-when-a-debt-collector-gets-a-judgment-against-me/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 11:00:50 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection lawsuits]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[Garnishment]]></category>
		<category><![CDATA[judgment]]></category>
		<category><![CDATA[vacate]]></category>

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		<description><![CDATA[In a debt collection case, a judgment is a court order that you owe the creditor money. A judgment gives the creditor the power to garnish your bank account and wages. It has a negative impact on your credit score. And in some cases, creditors will exercise their post-judgment power to seize some of your [...]]]></description>
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