Randall Ryder Talks Consumer Rights to Nationwide Audience

June 24, 2011
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In a down economy, many individuals turn to public resources like libraries for information and guidance. In Minnesota public librarians, non-profits, and consumer rights attorneys are working together to provide the general public with the resources they need. Because of the success of the efforts here in Minnesota, Randall Ryder was one of several panelists [...]

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Debt Collectors Complain of Harassment

June 15, 2011
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Are you tired of being harassed by consumers? According to recent article in the New York Times, debt collectors are tired of consumers mistreating them. You read that right. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, unfair, and deceptive debt collectors, not vice-versa. If the debt collectors have it their way, [...]

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Randall Ryder Presents CLE on Spotting FDCPA Violations

June 9, 2011

Randall Ryder, along with fellow consumer rights attorney Chris Wheaton, presented a CLE on Spotting FDCPA Violations: A Primer for Bankruptcy Attorneys. The CLE was a live webcast presented to approximately 90 viewers. The CLE included a basic introduction to the Fair Debt Collection Practices Act (FDCPA), including the Congressional intent behind the FDCPA and [...]

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Dealing with Debt Collectors

June 6, 2011

Dealing with debt collectors is rarely fun. The good news is that a federal law, the Fair Debt Collection Practices Act (FDCPA), protects consumers against abusive debt collection efforts. Not only are you protected against abusive debt collectors, you are entitled to statutory damages, actual damages (if applicable) and reasonable attorney fees and costs under [...]

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Debt Collector Fined for Violating Fair Debt Collection Practices Act

May 27, 2011
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The Minnesota Department of Commerce brought down the hammer on a local debt collector recently, stripping First Financial Services and its owner of their collection licenses and levying $100,000 in fines for violations of the Fair Debt Collection Practices Act. It is not known if the company and owner can borrow the money from a [...]

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“Fake” Debt Collection Lawsuits are Usually Real

May 2, 2011
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Debt collection lawsuits are big business in Minnesota. Just one debt buyer—Midland Funding—has filed over 15,000 debt collection lawsuits in the last three years. Many consumers get sued for a debt, think the lawsuit is fake, and then ignore it. As a result, they lose their case before it even starts. If you were recently [...]

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Free Trial? Read the Fine Print

April 15, 2011
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In a down economy, everyone is trying to save a buck or ten. As a result, promotions and free trials look more enticing than ever. For the most part, however, free trials end up costing you in the long run. Be sure to look into the promotion before signing up.

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Midland Funding LLC Sued for Alleged Robo-signed Affidavits

March 30, 2011

Debt collection lawsuits are frequent in the current economy. Midland Funding, LLC, one of the country’s largest debt buyers, was sued yesterday by the Minnesota Attorney General Lori Swanson. Swanson alleges that the company has defrauded Minnesota courts by filing false and deceptive affidavits—affidavits signed by “robo-signers.”

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Step-by-Step Debt Collection Lawsuit Guide

December 21, 2010

My Debt Collection Lawsuit Guide is a step-by-step overview of a Minnesota debt collection lawsuit. The guide was written to give Minnesota consumers a plain-language, understandable overview of the way debt buyer lawsuits usually play out. I want consumers to know what they can expect, and help consumers handle debt collection lawsuits. I have free forms [...]

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