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	<title>The Todd Murray Law Firm &#187; FDCPA</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>
		<comments>http://toddmurraylaw.com/capital-one-caught-collecting-over-15000-accounts-that-were-discharged-in-bankruptcy/#comments</comments>
		<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>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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		<title>Plaintiff awarded $1.26 million in New Mexico FDCPA case</title>
		<link>http://toddmurraylaw.com/plaintiff-awarded-1-26-million-in-new-mexico-fdcpa-case/</link>
		<comments>http://toddmurraylaw.com/plaintiff-awarded-1-26-million-in-new-mexico-fdcpa-case/#comments</comments>
		<pubDate>Mon, 01 Aug 2011 19:32:25 +0000</pubDate>
		<dc:creator>Todd Murray</dc:creator>
				<category><![CDATA[All]]></category>
		<category><![CDATA[Collection harassment]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[harassment]]></category>
		<category><![CDATA[punitive damages]]></category>
		<category><![CDATA[wrongful garnishment]]></category>

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		<description><![CDATA[Last week, a New Mexico jury awarded a consumer $1.26 million in a FDCPA suit in New Mexico. The jury awarded $161,000 in actual damages and whopping $1.1 million in punitive damages.
The case involved repeated attempts&#8211;including two wage garnishments&#8211;to collect a debt from a person that did not owe it. Although the plaintiff in 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>

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		<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>Why debt collectors are wrong to label FDCPA law firms as &#8220;lawsuit mills&#8221;</title>
		<link>http://toddmurraylaw.com/pot-meet-kettle-why-debt-collectors-are-wrong-to-label-fdcpa-law-firms-as-lawsuit-mills/</link>
		<comments>http://toddmurraylaw.com/pot-meet-kettle-why-debt-collectors-are-wrong-to-label-fdcpa-law-firms-as-lawsuit-mills/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 12:00:48 +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[FDCPA]]></category>
		<category><![CDATA[FDCPA lawsuits]]></category>
		<category><![CDATA[FDCPA lawyer]]></category>

		<guid isPermaLink="false">http://toddmurraylaw.com/?p=1902</guid>
		<description><![CDATA[There&#8217;s a fairly well-known passage in The Adventures of Huckleberry Finn where Huck, after patiently enduring the Widow Douglas&#8217; attempts to &#8220;sivilize&#8221; him by reading him passages from the Bible, asks the Widow if he can take break to smoke a cigarette. The Widow refuses, scolding Huck that smoking is a mean, nasty habit. Huck [...]]]></description>
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