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	<title>The Todd Murray Law Firm</title>
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		<title>Capital One caught collecting over 15,000 accounts that were discharged in bankruptcy</title>
		<link>http://toddmurraylaw.com/capital-one-caught-collecting-over-15000-accounts-that-were-discharged-in-bankruptcy/</link>
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		<pubDate>Tue, 03 Jan 2012 17:04:54 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Capital One]]></category>
		<category><![CDATA[collecting discharged debts]]></category>
		<category><![CDATA[FDCPA]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2165</guid>
		<description><![CDATA[Bankruptcy is designed to be a last-resort option for people with  serious financial problems. When someone files bankruptcy, her debts are  discharged, which means that they are no longer legally owed. Apparently, however, Capital One didn&#8217;t get the memo on how bankruptcy works.
A auditor appointed by a bankruptcy court in Massachusetts found that [...]]]></description>
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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>5 tips for negotiating a settlement with a debt collector</title>
		<link>http://toddmurraylaw.com/5-tips-for-negotiating-a-settlement-with-a-debt-collector/</link>
		<comments>http://toddmurraylaw.com/5-tips-for-negotiating-a-settlement-with-a-debt-collector/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 16:31:54 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[Collection lawsuits]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[settlement]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2135</guid>
		<description><![CDATA[1.  If possible, negotiate a lump sum settlement. The best way to get a good deal from a debt collector is to offer a lump sum settlement. Debt collectors usually have blanket authority to settle debts for between 40% and 80% of the full balance if you pay the settlement in a one-time payment. If [...]]]></description>
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		<title>Things a debt collector won&#8217;t tell you</title>
		<link>http://toddmurraylaw.com/things-a-debt-collector-wont-tell-you/</link>
		<comments>http://toddmurraylaw.com/things-a-debt-collector-wont-tell-you/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 14:49:59 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>

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		<description><![CDATA[Reader&#8217;s Digest posted an article last week titled 13 Things a Debt Collector Won&#8217;t Tell You. It&#8217;s a fascinating peek inside the world of debt collection and it gives some insight into how debt collectors are trained. Here are some of the most revealing, along with my comments:

Debt collectors are trained that all consumers are [...]]]></description>
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		<title>Five reasons to sue a debt collector that violates the FDCPA</title>
		<link>http://toddmurraylaw.com/five-reasons-to-sue-a-debt-collector-that-violates-the-fdcpa/</link>
		<comments>http://toddmurraylaw.com/five-reasons-to-sue-a-debt-collector-that-violates-the-fdcpa/#comments</comments>
		<pubDate>Tue, 09 Aug 2011 19:08:33 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[$1]]></category>
		<category><![CDATA[000 statutory damages]]></category>
		<category><![CDATA[debt collection abuse and harassment]]></category>
		<category><![CDATA[emotional distress]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[free lawyer]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=2095</guid>
		<description><![CDATA[1. Up to $1,000 in statutory damages. If you bring a successful FDCPA case, the court will award you up to $1,000 in statutory damages. These damages are provided by law as a penalty against a debt collector  that violated the FDCPA and you don&#8217;t have to prove that you suffered  any actual [...]]]></description>
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