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	<title>The Todd Murray Law Firm &#187; consumer lawyer minnesota</title>
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		<title>Victim of abusive debt collection tactics awarded $311,000 in damages in Montana FDCPA case</title>
		<link>http://toddmurraylaw.com/victim-of-abusive-debt-collection-tactics-awarded-311000-in-damages-in-montana-fdcpa-case/</link>
		<comments>http://toddmurraylaw.com/victim-of-abusive-debt-collection-tactics-awarded-311000-in-damages-in-montana-fdcpa-case/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 16:54:24 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[abusive debt collection]]></category>
		<category><![CDATA[consumer lawyer minnesota]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[John Heenan]]></category>
		<category><![CDATA[jury award]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=303</guid>
		<description><![CDATA[A victim of abusive debt collection practices was recently awarded $311,000 by a federal jury in Montana. The debt collector, the North Dakota law firm of Johnson, Rodenburg &#38; Lauinger, sued the victim, who had a disabling brain injury, beyond the statute of limitations. The jury awarded the victim $1,000 in statutory damages, $250,000 in [...]]]></description>
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		<title>Avoid these defenses to debt collection lawsuits</title>
		<link>http://toddmurraylaw.com/avoid-these-defenses-to-debt-collection-lawsuits/</link>
		<comments>http://toddmurraylaw.com/avoid-these-defenses-to-debt-collection-lawsuits/#comments</comments>
		<pubDate>Fri, 17 Apr 2009 15:07:13 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection lawsuits]]></category>
		<category><![CDATA[consumer lawyer minnesota]]></category>
		<category><![CDATA[debt collection lawsuit]]></category>
		<category><![CDATA[defenses]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=290</guid>
		<description><![CDATA[
Lack of a signed contract
Consumers often believe that credit card companies must produce a copy of the contract that the consumer signed to prevail in a debt collection lawsuit. But there are alternative theories used by debt collectors, such as account stated, that may allow them to prevail by merely introducing credit card billing statements. [...]]]></description>
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		<title>Todd Murray quoted in Minnesota Lawyer article about the increased need for consumer lawyers</title>
		<link>http://toddmurraylaw.com/todd-murray-quoted-in-minnesota-lawyer-article-about-the-increased-need-for-consumer-lawyers/</link>
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		<pubDate>Wed, 15 Apr 2009 14:53:59 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Arbitration]]></category>
		<category><![CDATA[consumer lawyer minnesota]]></category>
		<category><![CDATA[debt collection lawsuits]]></category>
		<category><![CDATA[Garnishment]]></category>
		<category><![CDATA[Minnesota Lawyer]]></category>
		<category><![CDATA[Todd Murray]]></category>

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		<description><![CDATA[Minnesota Lawyer recently published an article about the increased need for consumer lawyers in the current economic climate. The article discussed the rise in debt collection lawsuits being initiated and some of the problems this has caused for consumers.
I was quoted several times in the article, which also featured quotes from fellow consumer lawyers Nick [...]]]></description>
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		<title>FTC recommends changes to the FDCPA</title>
		<link>http://toddmurraylaw.com/ftc-recommends-changes-to-the-fdcpa/</link>
		<comments>http://toddmurraylaw.com/ftc-recommends-changes-to-the-fdcpa/#comments</comments>
		<pubDate>Tue, 14 Apr 2009 16:36:28 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Consumer law & policy]]></category>
		<category><![CDATA[consumer lawyer minnesota]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FTC]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=261</guid>
		<description><![CDATA[Recently, the Federal Trade Commission  issued a report recommending changes to the Fair Debt Collection Practices Act. The FTC&#8217;s primary conclusions are:
Major problems exist in the flow of information within the debt collection system.
The FTC &#8217;s first main concern is the lack of information debt collectors have about the debt when they seek payment from [...]]]></description>
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