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	<title>The Todd Murray Law Firm &#187; debt collector</title>
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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>
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		<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>How to respond to a debt collector&#8217;s request for admissions</title>
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		<comments>http://toddmurraylaw.com/how-to-respond-to-a-debt-collectors-request-for-admissions/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 12:00:06 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection lawsuits]]></category>
		<category><![CDATA[admit or deny]]></category>
		<category><![CDATA[debt collection lawsuit]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[request for admissions]]></category>

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		<description><![CDATA[A favorite litigation tactic used by debt collectors is to serve an unsuspecting consumer with requests for admission. These are typically a series of statements that you are asked to admit or deny. In other forms of litigation, admissions are typically used to figure out what facts are disputed in the case. But debt collectors [...]]]></description>
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		<title>Can a debt collector call my family and friends about my debt?</title>
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		<comments>http://toddmurraylaw.com/can-a-debt-collector-call-my-family-and-friends-about-my-debt/#comments</comments>
		<pubDate>Tue, 11 Jan 2011 12:00:11 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[calling family or friends]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[MN FDCPA lawyer]]></category>

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		<description><![CDATA[The Fair Debt Collection Practices Act prohibits debt collectors from calling third-parties, such as family members or friends, about your debts. In passing the FDCPA, Congress recognized your right to privacy in your finances. There&#8217;s one very limited exception to this rule, though. Debt collectors may contact third-parties to find your address or phone number. [...]]]></description>
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		<title>Can a debt collector call my parents about my debt?</title>
		<link>http://toddmurraylaw.com/can-a-debt-collector-call-my-parents-about-my-debt/</link>
		<comments>http://toddmurraylaw.com/can-a-debt-collector-call-my-parents-about-my-debt/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 12:00:45 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[calling my parents]]></category>
		<category><![CDATA[calling third parties]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[FDCPA]]></category>

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		<description><![CDATA[Under the Fair Debt Collection Practices Act, debt collectors can only communicate with you or your attorney about your debt. There&#8217;s a very narrow exception that allows debt collectors to contact third parties, such as your parents, but only to obtain location information. Location information means your address and telephone number. During this conversation, the [...]]]></description>
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		<title>Can a debt collector call me at work?</title>
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		<comments>http://toddmurraylaw.com/can-a-debt-collector-call-me-at-work/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 12:00:21 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[can a debt collector call me at work]]></category>
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		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[FDCPA]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=1336</guid>
		<description><![CDATA[Under the Fair Debt Collection Practices Act (FDCPA), a debt collector can&#8217;t call you at work if they know or should know that your employer prohibits you from receiving calls at work. The issues under this section are whether your employer prohibits personal calls at work and whether the collector knows about those provisions. Generally, [...]]]></description>
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