Espaņol
33 South Sixth Street, Suite 3800
Minneapolis, MN 55402-3707
Phone: 612.333.3000
Fax: 612.333.8829
Contact Us

Bassford Remele is a full-service litigation firm located in Minneapolis, Minnesota. Founded in 1882, the firm represents local, national and international clients in all areas of civil litigation.

View All Biographies



Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Michael Klutho represents creditors, financial institutions, collection agencies, attorneys, hospitals, and other businesses facing state and federal consumer-protection statutory lawsuits. His practice also includes the defense of claims brought by governmental regulators overseeing entities involved in the credit and collection industry. Michael also represents local and national professionals and their insurers in professional liability litigation, particularly emphasizing alleged legal malpractice matters. In addition, he handles matters in the areas of products liability, construction and science and technology claims.

Michael has been recognized as a Top 100 Super Lawyer by Minnesota Law & Politics and Twin Cities Business, and a Top 100 Lawyer by MPLS.ST.PAUL Magazine. He is a member of the International Association of Defense Counsel, the Association of Defense Trial Attorneys, the Professional Liability Defense Federation, the Maritime Law Association, and ACA International. Michael is certified as a Senior Civil Trial Specialist by the Minnesota State Bar Association. Michael chairs the firm’s Consumer Law Defense Practice Group and co-chairs the Legal Malpractice Defense Team. He recently served on Bassford Remele’s Management Committee as the firm’s Chief Financial Officer.


Practice Areas

Admiralty and Maritime
Commercial Litigation
Construction Law
Consumer Law Defense
Legal Malpractice
Personal Injury
Product Liability
Professional Liability
Science and Technology Law



Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Education

William Mitchell College of Law

J.D., 1987
Honors:  Cum Laude

Southern Illinois University

M.A., 1983
Major:  Zoology

University of Missouri

B.S., 1980
Major:  Fisheries & Wildlife Management




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Bar Admissions

State Bars
Minnesota, 1987
Missouri, 2001
Wisconsin, 2001
Iowa, 2016

Federal Bars
U.S. District Court, District of Minnesota, 1988
U.S. District Court, Eastern District of Wisconsin, 2001
U.S. District Court, Western District of Wisconsin, 2001
U.S. District Court, District of North Dakota, 2001
U.S. District Court, District of Nebraska, 2001
U.S. District Court, Eastern District of Arkansas, 2001
U.S. District Court, Western District of Arkansas, 2001
U.S. District Court, Eastern District of Missouri, 2012
U.S. District Court, Western District of Missouri, 2004
U.S. District Court, District of Kansas, 2007
U.S. District Court, District of Colorado, 2014

Appellate Bars
U.S. Supreme Court, 1996
U.S. Court of Appeals, Second Circuit, 2014
U.S. Court of Appeals, Seventh Circuit, 2007
U.S. Court of Appeals, Eighth Circuit, 1992



Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Certifications


Senior Civil Trial Law Specialist, certified by the Minnesota State Bar Association




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Honors and Awards

Selected to the “Top 100 Minnesota Super Lawyers” list, published by Minnesota Law & Politics/Super Lawyers, MPLS.ST.PAUL Magazine and Twin Cities Business, 2013 - 2014

Selected to the Minnesota Super Lawyers list, published by Minnesota Law & Politics/Super Lawyers, 1998 - Present, and “Top Lawyers” list by MPLS.ST.PAUL Magazine, 1998 - Present, and “Super Lawyers” list by Twin Cities Business, 1998 - Present

Selected to the “Best Personal Injury Attorneys” list, published by Minnesota Law & Politics, 2001 (selection limited to the top 200 plaintiffs and defense personal injury attorneys in Minnesota)

ACA International, Inc.
     Fred Kirschner Instructor Achievement Award, 2012
     Foundation Fellow Award, 2002




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Professional Awards and Memberships

National Association of Distinguished Counsel

2015 - Present


International Association of Defense Counsel (IADC)

2003 - Present


Association of Defense Trial Attorneys (ADTA)

2003 - Present


Professional Liability Defense Federation

2015 - Present


The Federal Bar Association (FBA)

1999 - Present


Defense Research Institute

2011 - Present


Minnesota Supreme Court Pro Se Implementation Committee

Frivolous Litigation Subcommittee, 1997


Minnesota State Bar Association

Consumer Law Section, 2012 - Present
Civil Trial Certification Board, Past Member
Court Rules and Administration Committee, 1995 - 2000


Hennepin County Bar Association

1987 - Present
Environmental Law Committee


Fourth Judicial District Ethics Committee

Investigator and Panel Member, 1997 - 2000


The Missouri Bar

2001 - Present


State Bar of Wisconsin

2001 - Present


Minnesota Defense Lawyers Association, 1987 - Present

Products Liability Committee, 1996 - Present
Chair, 1998 - 2000
Toxic Tort/Environmental Law Committee, 1990 - Present
Technology Committee, 2000 - Present


Academy of Certified Trial Lawyers of Minnesota

 Judicial Endorsement Committee, 2006


Maritime Law Association

1997 - Present


ACA International, Inc., 1996 - Present

Members’ Attorney Program
  Members’ Attorney Program Designation, 2013
  Board of Directors, 1996 - 1998
  Membership Committee, 2002 - 2004
  CNR Committee, 2009 - Present
Certified Instructor, 1997 - Present
QBE North America Regional Defense Panel, 2015 - Present
Travelers Insurance Companies Regional Defense Panel,
2004 - Present
Northland/Gulf Insurance Company Regional Defense Panel,
2000 - 2003
AIG Claim Advisory Panel, 1998 - 2000
Fellow, Designation Program, 2013
Scholar Designation Program, 2013
Council of Delegates, MAP Representative, 2013 - 2014
Board of Directors, 2002 - 2004
Fred Kirschner Instructor Achievement Award, 2012
FCRA Task Force, 2003
ACPAC Steering Committee, 2002 - 2010
Foundation Fellow Award, 2002
Professional Collection Specialist, 2000 - Present
Voting and Election Procedures Task Force, 2003


Better Business Bureau

Arbitrator
1987 - 2002


Private Pilot (non-current)




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Representative Cases

Legal Malpractice
McGrann Shea Carnival Straughn & Lamb v. Roberts, 2014 Minn. App. Unpub. LEXIS 873, 2014 WL 3892593 (Minn. Ct. App. Aug. 11, 2014).

Yang v. Hanson, No. A11-999, 2012 WL 254499 (Minn. App. Jan. 30, 2012).

Manning v. SA Challenger, Inc., 2011 WL 5528960 (D. Minn. Nov. 14, 2011) (adopting report and recommendation of Magistrate Judge Janie S. Mayerson, 2011 WL 5520438).

Fletcher v. Zellmer, 105 F.3d 662 (8th Cir. 1997).

Burns v. Aon Corp., 83 F.3d 425 (8th Cir. 1996).

Fletcher v. Zellmer, 909 F. Supp. 678 (D. Minn. 1995).

Litherland v. Meshbesher Law Office, Ltd., No. C0-94-2583, 1995 WL 1467 (Minn. Ct. App. Jan. 3, 1995).

Trenchers Plus, Inc. v. Suter, No. C0-03-115, 2003 WL 21743734 (Minn. Ct. App. July 29, 2003).

Professional Liability
Little ex rel. R.D.C. v. Parents in Cmty. Action
, No. A05-1336, 2006 WL 1148107 (Minn. Ct. App. May 2, 2006).

Lumbermen’s Underwriting Alliance v. Tifco, Inc., 465 N.W.2d 580 (Minn. Ct. App. 1991).

Hjellming v. Larsen, No. C3-88-1998, 1989 WL 5603 (Minn. Ct. App. Jan. 31, 1989).

Commercial Litigation
Int’l Mktg. Res., Inc. v. Maquilaplex, LLC
, No. 02-3459, 2002 WL 31689436 (D. Minn. Nov. 27, 2002).

Neslund v. Stroeh, 12 F.3d 1103 (8th Cir. 1993).

Construction
Rahr Malting Co. v. Climatic Control Co., Inc
., 150 F.3d 835 (8th Cir. 1998).

Boyd v. Mid-Minn. Concrete/Excavating, Inc., 1995 WL 254366 (Minn. Ct. App. May 2, 1995).

Environmental
United States v. Arrowhead Ref. Co
., 829 F. Supp. 1078 (D. Minn. 1992).

Sylvester Bros. Dev. Co. v. Burlington N. R.R., 772 F. Supp. 443 (D. Minn. 1990). (Landfill Cleanup)

Other
Herrmann v. ExpressJet Airlines, Inc.,
No. 08-977, 2009 WL 1244052 (D. Minn. May 5, 2009). (Premises Liability)

Savig v. First National Bank of Omaha, 781 N.W.2d 335 (Minn. 2010). (Amicus Curiae)

Schur v. Langeslay, No. C1-01-1379, 2002 WL 378139 (Minn. Ct. App. Mar. 12, 2002). (Dram Shop, Duty to Warn)

Rennick v. Minnegasco, No. C5-90-917, 1990 WL 178499 (Minn. Ct. App. Nov. 20, 1990). (Product Liability, Explosion)

Consumer Law
Martin v. First Financial Management, No. 10-CV-16-235 (Carver Cnty. Minn. July 12, 2016).

Hudson v. Wilford, Geske & Cook, P.A., 2016 U.S. Dist. LEXIS 79493 (D. Minn. June 17, 2016).

Bredlow v. CitiMortgage, Inc., 2016 U.S. Dist. LEXIS 9785 (D. Minn. Jan. 26, 2016).

Gensel v. Performant Techs., 2015 U.S. Dist. LEXIS 142303, 2015 WL 6158072 (E.D. Wis. Oct. 20, 2015).

Perryman v. Account Recovery Specialists, Inc., 2015 U.S. Dist. LEXIS 113035, 2015 WL 5053550 (D. Kan. Aug. 26, 2015).

Altman v. J.C. Christensen & Assocs., 786 F.3d 191 (2d Cir. N.Y. 2015).

Powers v. Credit Mgmt. Servs., 776 F.3d 567 (8th Cir. Neb. 2015).

Mazur v. Nat'l Account Sys. of Omaha, LLC, 2014 U.S. Dist. LEXIS 175661 (D. Neb. Dec. 16, 2014).

Martin v. Kan. Counselors, Inc., 2014 U.S. Dist. LEXIS 66199 (D. Kan. May 13, 2014).

Lansing v. Wilford, 2013 U.S. Dist. LEXIS 146655, 2013 WL 5587956 (D. Minn. Oct. 10, 2013).

Erickson v. Performant Recovery, Inc., No. 12-2818, 2013 WL 3223367 (D. Minn. June 25, 2013).

Atchison v. Hiway Federal Credit Union, No. CIV 12-2143, 2013 WL 1175020 (D. Minn. Mar. 20, 2013).

Olson v. Wilford, Geske & Cook, P.A., No. Civ. 12-1895, 2013 WL 489040 (D. Minn. Feb. 8, 2013).

Moore v. Ccb Credit Servs., 2013 U.S. Dist. LEXIS 8010, 2013 WL 211048 (E.D. Mo. Jan. 18, 2013).

Zortman v. JC Christensen & Associates, 2012 WL 1563912 (D. Minn. May 2, 2012).

Edeh v. Midland Credit Management, Inc., 413 Fed. App’x 925 (8th Cir. 2011).

Zwicky v. Carlson & Associates, Ltd., No. 11-1414, 2011 WL 6203058 (D. Minn. Dec. 13, 2011).

Lynch v. Nelson Watson & Associates,LLC, No. 10-2025, 2011 WL 2472588 (D. Kan. June 21, 2011).

Adams v. J.C. Christensen & Associates, Inc., 777 F. Supp. 2d 1193 (D. Minn. 2011).

Jenkins v. General Collection, Co., No. 8:06CV743, 2009 WL 3631014 (D. Neb. Oct. 26, 2009).

State ex rel. Swanson v. Messerli and Kramer, P.A., No. A08-0415, A08-0551, 2009 WL 1046869 (Minn. Ct. App. Apr. 21, 2009).

Wilhelm v. Credico, Inc., 519 F.3d 416 (8th Cir. 2008).

Wilhelm v. Credico, Inc., No. 1:05-cv-002, 2008 WL 5156660 (D.N.D. Dec. 2, 2008).

Riermersma v. Messerli & Kramer, P.A., No. 07-3898, 2008 WL 2390729 (D. Minn. June 9, 2008).

Schmitt v. FMA Alliance, 398 F.3d 995 (8th Cir. 2005).

Strand v. Diversified Collection Serv., Inc., 380 F.3d 316 (8th Cir. 2004).

Udell v. Kan. Counselors, Inc., 313 F. Supp. 2d 1135 (D. Kan. 2004).

Burdett v. Harrah’s Kan. Casino Corp., 294 F. Supp. 2d 1215 (D. Kan. 2003).

Strand v. Diversified Collection Serv., Inc., No. 03-3560 (D. Minn. Nov. 6, 2003).

Schmitt v. FMA Alliance, Ltd., No. 03-3483 (D. Minn. 2003).

Burdett v. Harrah’s Kan. Casino Corp., 260 F. Supp. 2d 1109 (D. Kan. 2003).

Jones v. CBE Group, Inc., 215 F.R.D. 558 (D. Minn. 2003).

Siharath v. Citifinancial Servs, 285 B.R. 299 (Bankr. D. Minn. 2002).

Hicken v. Arnold, Anderson & Dove, PLLP, 137 F. Supp. 2d 1141 (D. Minn. 2001).

Sower v. Van Ru Fin. Servs., Inc., No. 3-94-1591, 1995 WL 870853 (D. Minn. June 28, 1995).




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Publications

A. Torts and Insurance:

Co Author, Notes & Trends - Torts and Insurance, monthly column, Bench and Bar, 1992 - 2007.

Klutho, M.A. and Hill, J.L., Minnesota Underinsured Motorist Claims:  Current Topics, Minnesota Lawyers Mutual View, January 1999.

Anderson, J.M. and Klutho, M.A., Continuing Developments Regarding Insurance Coverage for Environmental Claims, 15 Minnesota Defense 16 (1994).

B. Fair Debt Collection Practices Act (FDCPA) and Related Issues:
TCPA 'Clarifications' Likely Lead to Flood of Lawsuits, Minnesota Lawyer, November 24, 2015

Klutho, M.A., The Fair Debt Collection Practices Act: A Discussion of Compliance Issues, Debtor and Creditor Conference, Minnesota CLE, October 15, 2012

Klutho, M.A., The Fair Debt Collection Practices Act: A Discussion of Compliance Issues, Debtor and Creditor Conference, Minnesota CLE, October 11, 2011

Klutho, M.A., FDCPA and FCRA Housing Law in Minnesota Seminar, Minnesota CLE, May 21, 2007

Klutho, M.A., The FDCPA and FCRA in Review Legal Malpractice & Risk Management Annual Conference, March 7, 2007

Klutho, M.A., FDCPA Tripwires: Where Are They and How Might You Avoid Them? Hennepin County Bar Association, February 21, 2007

Klutho, M.A., Legal Liability Under FDCPA, FCRA, Gramm Leach Bliley and HIPAA, CPCU Society Symposium, April 19, 2006

Klutho, M.A. and Brown, J.N., Issues in State Collection Laws; Avoiding the Common Traps.  ACA International, Inc. Teleseminar.  August 24, 2005

Klutho, M.A. and Hoss, S.J., State Collection Issues.  ACA International, Inc. Annual Convention.  Washington, D.C.  July 21, 2005

Klutho, M.A. and Hoss, S.J., The Ins and Outs of Check Collection.  ACA International, Inc. Joint Programs Conference.  November 5, 2004

Klutho, M.A., Defending a Debt Collection Practices Act Claim (a/k/a Risk Management Tips for Collection Attorneys).  Hennepin County Bar Association Creditor-Debtor CLE.  April 21, 2004.

Klutho, M.A. and Morris, C.R., Legal Risks in the Check Industry & How to Attack Them.  ACA International, Inc.  April 3, 2003.

Klutho, M.A., Hot Topics in Debt Collection.  Minnesota Institute of Legal Education.  January 24, 2002.

Klutho, M.A., Gramm Leach Bliley Act (GLB) and Fair Credit Reporting Act (FCRA).  National Association of Retail Collection Attorneys.  October 13, 2001.

Klutho, M.A., Privacy Issues Facing Collections Professionals.  American Collectors Annual International Convention & Exposition Presentation Paper.  July 2000.

Klutho, M.A. and Diekmann, T.A., Invasion of Privacy Tort Rarely Applies to Debt Collection.  MAP Bulletin, August 1999.

Klutho, M.A., Healthcare Subrogation: Business Opportunities and Legal Concerns.  American Collectors Association March for Success Meeting.  Scottsdale, Arizona.  March 1999.

Klutho, M.A. and Morris, C.R., The Fair Debt Collection Practices Act:  A Legal Update.  Hennepin County Bar Association, Debtor/Creditor Committee Meeting, December 1998.

Klutho, M.A. and Morris, C.R., Legal Concerns For Creditors When Collecting Debt and Effective Utilization of Collection Agencies.  MMGMA Seminar.  September 1998.

Klutho, M.A. and Morris, C.R., Contracting With Your Creditor Client:  Points To Consider. American Collectors Annual International Convention & Exposition Presentation Paper.  June 1998.

Klutho, M.A. and Morris, C.R., The Fair Debt Collections Practices Act:  Hot Topics In Litigation.  Minnesota Unit, American Collectors Association Presentation Paper.  May 1998.

Klutho, M.A. and Morris, C.R., Fair Debt Collection Practices Act:  How To Reduce Your Exposure and Avoid Lawsuits.  Minnesota MILE Seminar.  November 1997.

Klutho, M.A. and Morris, C.R., Partners In Law?  An Examination of Creditor Liability Under the FDCPA.  Collector Magazine, American Collectors Association.  June 1997.

Klutho, M.A. and Morris, C.R., FDCPA Claims and Lawsuits:  Beware of Bankruptcies.  American Collectors Association, MAP Bulletin.  December 1996.

Klutho, M.A. and Morris, C.R., Fair Debt Collection Practices Act:  Avoiding Malpractice (Ethical Considerations).  Minnesota Lawyers Mutual Presentation Paper.  June 1996.

C. Bankruptcy Malpractice Issues:

Knowles, F. and Klutho, M.A., Bankruptcy Crimes And Malpractice:  Knowing The Law Is Not Enough (But It Helps).  1995 Minnesota CLE Bankruptcy Institute.

D. Products Liability Issues:

Klutho, M.A. and Hodkinson, M.P., Overview of Legal Theories and Issues in Products Liability Cases.  The St. Paul Companies Upper Midwest Claim Staff Education Seminar.  October 1999.

Klutho, M.A. and Hodkinson, M.P., Products Liability Claims Investigation Checklist.  The St. Paul Companies Upper Midwest Claim Staff Education Seminar.  October 1999.

Klutho, M.A. and Hickey, K.P., Developments in Products Liability Evidence.  Minnesota Defense.  Fall 1990.

E. Construction-Related Claims:
Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 18, 2011

Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 19, 2006

Klutho, M.A., Legal Defenses & Protection for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 20, 2003

Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors.  Heartland Chapter American Society of Home Inspectors PowerPoint Presentation.  December 2002.

Klutho, M.A., Defending Against Claims And Lawsuits - What To Do Now That You’ve Been Sued.  Heartland Chapter American Society of Home Inspectors Presentation Paper.  February 1998.

Klutho, M.A. and Switzer, M.A., Premises Liability:  A Legal Update.  Hennepin County Bar Association Landlord/Tenant Committee Presentation Paper.  March 1999.

Klutho, M.A. and Whitmore, M.R., Handling Construction-Related Claims:  Current Topics. 1998 Twin Cities Claims Association.

F. Non-Legal Publications:

Klutho, M.A., and Ball, R.L., 1983 Fishing Effort and Harvest at Brookville Reservoir.  Fisheries Section, Indiana Department of Natural Resources.  1984.

Ball, R. L., and Klutho, M.A., Evaluation of Factors Influencing Survival of Young Walleye in Brookville Reservoir.  Fisheries Section, Indiana Department of Natural Resources.  1984.

Klutho, M.A., Seasonal, Daily, and Spatial Variation of Shoreline Fishes in the Mississippi River at Grand Tower, Illinois.  Master’s Thesis, Southern Illinois University.  1983.




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Presentations

Fair Debt Collection Practices Act Presentations:
The Aftermath of Spokeo - Where Do We Stand Now?, ACA International, Inc. Fall Forum & Expo, Chicago, Illinois, November 10, 2016

ACA Training: Duties of Data Furnishers under the FCRA, California Association of Collectors Annual Conference and Expo, Carlsbad, California, October 18, 2016

Recent Developments and Hot Tips in Collection Law, Bar Wars: Ethics and Debt Collection Seminar, Maryland State Bar Association, August 9, 2016

What Have those State Regulators been Doing this Past Year? ACA International, Inc. Annual Convention, Denver, Colorado, June 18, 2016

Recent Consumer Claims Analysis, Current Hot Claims and What is Next on the Litigation Horizon, ACA International, Inc. Annual Convention, Denver, Colorado, June 17, 2016

Flying Under the Radar: Complying with UDAAP Under a Time of Heightened Scrutiny, ACA International, Inc. Spring Forum & Expo, Las Vegas, Nevada, March 10, 2016

Where is the Class Action? ACA International, Inc. Fall Forum & Expo, Chicago, Illinois, November 6, 2015

Hot Topics in Consumer Litigation: What’s Happening Now and What’s on the Horizon, ACA International, Inc. Annual Convention, Boston, Massachusetts, July 21, 2015

Bankruptcy/Debtor-Creditor: FDCPA, Minnesota CLE, Minneapolis, Minnesota, January 22, 2015

Ethical Debt Collection, ACA International, Inc. Fall Forum & Expo, San Francisco, California, November 6, 2014

Attorney Debt Collection:  Hazards and Pitfalls, Minnesota CLE, Minneapolis, Minnesota, October 30, 2014

Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Oakdale, Minnesota, September 30, 2014

FDCPA and Consequences of Non-Compliance, Maryland State Bar Association, Columbia, Maryland, August 14, 2014

Fair Debt Collection Practices Act: The Latest Trends and Developments, Minnesota State Bar Association, Minneapolis, Minnesota, May 30, 2014

Attorney Panel, Illinois Collectors Association, Wisconsin Collectors Association and Minnesota Association of Collectors Joint Chapter Conference, Delavan, Wisconsin, May 14, 2014

Telephone Consumer Protection Act (TCPA) - A Primer, National Healthcare Collectors Association Spring Conference, Miami, Florida, April 29, 2014

UDAAP and the CFPB: What It Is and How It Applies, ACA International, Inc. Webinar, February 18, 2014

Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Oakdale, Minnesota, September 17, 2013

Attorney Panel, Bankruptcy, Chicago Licensing, Garnishments, and Other Hot Topics, Minnesota Association of Collectors, Wisconsin Collectors Association, Illinois Collectors Association and Iowa Collectors Association, Spring Conference, Wisconsin Dells, Wisconsin, May 8, 2013

Defense Litigation Strategies for the Collection Industry, ACA International, Inc., Gulf States Unit, Biloxi, Mississippi, April 9, 2013

Defense Litigation Strategies for the Collection Industry, ACA International, Inc., Honolulu, Hawaii, February 23, 2013

Essential Collection Skills and Techniques, ACA International, Honolulu, Hawaii, February 23, 2013

Attorney Debt Collection:  Hazards and Pitfalls, Minnesota CLE, Minneapolis, Minnesota, January 31, 2013

Defense Litigation Strategies for the Collection Industry, ACA Unit Leadership Meeting, Bloomington, Minnesota, October 24, 2012

Compliance with the FDCPA and Consequences of Non-Compliance, Second Annual Debtor and Creditor Conference Minnesota CLE, October 15, 2012

Keeping an Eye on the Judiciary, Ontario Systems, Quarterly Compliance Update Webinar, August 22, 2012

Ask the Attorney, ACA International, Inc. Annual Convention, Hollywood, Florida, July 20, 2012

Cases, Claims & Groundbreaking Lawsuits, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Eau Claire, Wisconsin, May 17, 2012

Defense Litigation Strategies for the Collection Industry, Annual State Unit Meeting of Illinois and Iowa Collectors Association, Galena, Illinois, May 2, 2012

Cases, Claims & Groundbreaking Lawsuits, ACA International, Inc. Webinar, April 25, 2012

Collection Professionals - Tips to Uncover and Avoid Legal Liability Tripwires, Missouri and Kansas Collectors Association Conference, Lake of the Ozarks, Missouri, April 19, 2012

Settlement Negotiation Strategies in Individual and Class Action Litigation, ACA International, Inc., MAP Fall Forum, Chicago, Illinois, November 10, 2011

Fair Debt Collection Practices Act, Debtor and Creditor Conference, Minnesota Continuing Legal Education, Minneapolis, Minnesota, October 11, 2011

FDCPA Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Brainerd, Minnesota, September 8, 2011

Defense Litigation Strategies for the Collection Industry, ACA International, Inc. Annual Convention, Dallas, Texas, July 14, 2011

Ask the Attorney: FDCPA, FCRA & TCPA Hot Topics, ACA International, Inc. Annual Convention, Dallas, Texas, July 13, 2011

Defense Litigation Strategies for the Collection Industry, ACA International, Inc.
Annual Convention, Dallas, Texas, July 12, 2011

Attorney Panel – Latest Cases and Issues, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Eau Claire, Wisconsin, May 19, 2011

Usury Laws, Credit & Financial Development Division, National Association of Credit Management, Brooklyn Park, Minnesota, December 14, 2010

Usury Laws, Forius, The Business Credit Resource Group, Bloomington, Minnesota, August 13, 2010

Ask the Attorney: FDCPA, FCRA & TCPA Hot Topics, ACA International, Inc. Annual Convention, Washington, D.C., July 13, 2010

Working with Regulatory Bodies, Collection Law Summit, Current Events & Trends, Cases & Commentary, Hennepin County Bar Association, Debtor and Creditor Section, June 16, 2010

Attorney Panel – Latest Cases and Issues, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Red Wing, Minnesota, May 21, 2010

Top 10 Ways to Avoid Agency Litigation, ACA International, Inc. Teleseminar, May 7, 2010

Attorney Panel, Annual State Unit Meeting of Missouri, Illinois, and Iowa Collectors Association, Normal, Illinois, April 23, 2010

Q&A Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Brainerd, Minnesota, September 10, 2009

Opposing Class Certification Panel, ACA International, Inc. Annual Convention, MAP Legal Education Conference, Las Vegas, Nevada, July 15, 2009

Hot Topics General Session, ACA International, Inc. Annual Convention, MAP Legal Education Conference, Las Vegas, Nevada, July 14, 2009

Play Your Cards Right: Recent Case Law and Hot Topics to Ensure Compliance with FDCPA, TCPA and FCRA, ACA International, Inc. Annual Convention, Las Vegas, Nevada, July 13, 2009

MAP Attorney Panel, Minnesota Association of Collectors and Wisconsin Collectors Association Joint Meeting, La Crosse, Wisconsin, May 20-22, 2009

Risk Management Topics for Collection Agencies, Missouri Collectors Association Annual Meeting, St. Louis, Missouri, April 9, 2009

Q&A Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Duluth, Minnesota, September 12, 2008

Technology and the FDCPA, 12th Annual Members Attorney Program Legal Education Conference, Hollywood, Florida, July 25, 2008

View FDCPA Claims with Open Eyes, ACA International, Inc. Teleseminar, July 17, 2008

MAP Attorney Panel, Minnesota Association of Collectors & Wisconsin Collectors’ Association 2008 Annual Conference, Red Wing, Minnesota, May 8, 2008

Winning Collection Lawsuits: Nuts & Bolts, Collection Advisor Tech’07 Conference, Las Vegas, Nevada, November 8, 2007

FDCPA Issues for Owners, ACA International, Inc. U.S. Department of the Treasury Seminar, Washington, D.C., July 10, 2007

FDCPA Facts, Fiction and Reality, ACA International, Inc. U.S. Department of the Treasury Seminar, Washington, D.C., July 9, 2007

FDCPA and FCRA, Housing Law in Minnesota Seminar, Minnesota CLE, May 21, 2007

The FDCPA and FCRA in Review, Legal Malpractice & Risk Management Annual Conference, Chicago, Illinois, March 7, 2007

FDCPA Tripwires: Where Are They and How Might You Avoid Them? Hennepin County Bar Association, February 21, 2007

Defending Class Actions, ACA International, Inc. Annual Convention, MAP Legal Education Conference, San Diego, California, July 10, 2006

FDCPA Mock Trial, ACA International, Inc. Annual Convention, MAP Legal Education Conference, San Diego, California, July 10, 2006

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, San Diego, California, July 9, 2006

Litigation Wins and Worries; Hot Compliance Issues of the Year, ACA International, Inc. Teleseminar, June 27, 2006

Q&A Attorney Panel, Minnesota Association of Collectors & Wisconsin Collectors’ Association Annual Conference, Wisconsin Dells, Wisconsin, May 11, 2006

Legal Liability Under FDCPA, FCRA, Gramm Leach Bliley and HIPAA, CPCU Society Symposium, St. Paul, Minnesota, April 19, 2006

Q&A Attorney Panel Session, Minnesota Association of Collectors Fall Conference, Bloomington, Minnesota, November 10, 2005

Collection Laws for Creditors, ACA International, Inc. Teleseminar, September 21 and 22, 2005

Issues in State Collection Laws; Avoiding the Common Traps, ACA International, Inc. Teleseminar, August 24, 2005

State Collection Issues, ACA International, Inc. Annual Convention, Washington, D.C., July 21, 2005

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, Washington, D.C., July 20, 2005

FDCPA:  Facts, Fiction and Reality, ACA International, Inc. Teleseminar, February 8 and 9, 2005

FDCPA:  Issues for Collectors, ACA International, Inc., Honolulu, Hawaii, November 13, 2004

FDCPA:  Issues for Owners, ACA International, Inc., Honolulu, Hawaii, November 12, 2004

Clearing Up the Confusion II, ACA International, Inc. Teleseminar, November 11, 2004

The Ins and Outs of Check Collection, ACA International, Inc., Chicago, Illinois, November 5, 2004

FDCPA:  Facts, Fiction and Reality, ACA International, Inc. Teleseminar, September 22 and 23, 2004

Q&A Attorney Panel, Minnesota Association of Collectors Fall Conference, Breezy Point, Minnesota, September 9, 2004

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, Dallas Texas, July 14, 2004

Q&A Attorney Panel – Recent Cases Pertaining to the Collection Industry, Minnesota Association of Collectors Spring Conference, Minneapolis, Minnesota, May 6, 2004

Defending a Debt Collection Practices Act Claim (a/k/a Risk Management Tips for Collection Attorneys), Hennepin County Bar Association Creditor-Debtor CLE, Minneapolis, Minnesota, April 21, 2004

State Issues, ACA International, Inc., Arlington, Virginia, March 9, 2004

Legal Trends and Defense Strategies, ACA International, Inc., Arlington, Virginia, March 8, 2004

FCRA’s Pending Expiration & What it Means to You, ACA International, Inc. Teleseminar, October 30, 2003

Fair Debt Collection Practices Act Workshop, Arkansas Collectors Association, Little Rock, Arkansas, October 25, 2003

Attorney Panel, Minnesota Association of Collectors, Inc. Fall Conference, September 11, 2003

Legislative and Case Law Update on: FDCPA, Gramm Leach Bliley, HIPAA, NSF Checks, “Meaningful Involvement,” Credit Repair, Technology Issue, Minnesota Institute of Legal Education, May 13, 2003

Legal Risks in the Check Industry & How to Attack Them, ACA International, Inc., April 4, 2003

Beyond the Legal-Ease, Parts I and II, ACA International, Inc., April 4, 2003

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
• Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., April 1, 2003

A Premier on FDCPA/FCRA and Related Issues for Claims Representatives, Northland Insurance Companies, February 6, 2003

The Fair Debt Collection Practices Act and Other Hot Collection Issues, MILE Seminar, January 24, 2000

Overcoming Current Compliance Concerns:  Keeping Yourself Out of Hot Water, ACA International, Inc., January 15, 2003

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
• Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., December 12 - 13, 2002

Liability Concerns for Debt Collection Professionals (Including The Fair Debt Collection Practices Act), Lorman Education Services, September 12, 2002

Q&A Attorney Panel - Compliance Issues, Minnesota Association of Collectors/Associated Credit Bureaus of Minnesota, September 10, 2002

HIPAA - Compliance Issues, Minnesota Association of Collectors/Associated Credit Bureaus of Minnesota, September 10, 2002

Fair Credit Reporting Act, ACA International, Inc. Annual Convention, Orlando, Florida, July 20, 2002

Professional Risks for Attorneys, MAP Legal Education Conference, Orlando, Florida, July 19, 2002

How Does Meaningful Involvement Impact Your Practice? MAP Legal Education Conference, Orlando, Florida, July 19, 2002

How Does Meaningful Involvement Impact Your Practice? MAP Legal Education Conference, Orlando, Florida, July 19, 2002

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
 Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., June 24-25, 2002

Consumer Relations:  Keeping Your Customers and Collecting Your Debt, ACA Creditor International Teleseminar, March 2002

Fair Credit Reporting Act (FCRA) and Healthcare Recoveries--Are You Compliant? Collections and Credit Risk Conference, New Orleans, Louisiana, March 2002

The Ethics of Debt Collection:  Board Opinion 10 and Other Important Ethical Consideration, All District Legal Education, March 7, 2002

Defending an FDCPA Case:  A Real Federal Case, All District Legal Education, March 7, 2002

Hot Topics in Debt Collection, Minnesota Institute of Legal Education, January 24, 2002

Understanding the Fair Credit Reporting Act, Kansas Collectors Conference, Topeka, Kansas, October  8, 2001

Hot Topics in Debt Collection, Hennepin County Bar Association Debtor/Creditor CLE Program, Minneapolis, Minnesota, October 17, 2001

Gramm Leach Bliley Act (GLB) and Fair Credit Reporting Act (FCRA), National Association of Retail Collection Attorneys Fall Collection Conference, Las Vegas, Nevada, October 13, 2001

Q&A Attorney Panel Session, Minnesota Association of Collectors Fall Conference, The Lodge at Giants Ridge, Minnesota, September 13, 2001

FDCPA Seminar:  Issues for Owners, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 14, 2001

Risk Management Forum:  Controlling Risk, Managing Exposure for Collection Professionals, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 13, 2001

State Licensing and Collection Laws, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 13, 2001

HIPAA [Health Insurance Portability and Accountability Act] . . . Required Contract Provisions in Healthcare Provider Billing and Collection Services Contracts, American Collectors Association Teleseminar, May 9, 2001

FDCPA Claims Open Forum:  Legal Issues for the Credit and Collection Industry, American Collectors Association Annual Convention, San Diego, California, July 2000

Data Privacy Issues Today, American Collectors Association Annual Convention, San Diego, California, July 2000

MAP Attorney Panel -- FDCPA, FCRA and State Issues, American Collectors Association Regional Collectors Conference 2000, Lake Geneva, Wisconsin, May 2000

General Session: Litigation Trends and Outcomes, American Collectors Association Annual Convention, Chicago, Illinois, July 1999

Pre-Collection & Billing, Add-On Fees, and Debt Responsibility, American Collectors Association Annual Convention, Chicago, Illinois, July 1999

Pre-Collection & Billing, Add-On Fees, and Debt Responsibility, American Collectors Association’s On-Line Forum, June 1999

AIG Claims Panel Presentation, American Collectors Association’s Corporate Counsel Meeting, Chicago, Illinois, April 1999

FDCPA Mock Trial Presentation, American Collectors Association March for Success Meeting, Scottsdale, Arizona, March 1999

Healthcare Subrogation: Business Opportunities and Legal Concerns, American Collectors Association March for Success Meeting, Scottsdale, Arizona, March 1999

The Fair Debt Collection Practices Act:  A Legal Update, Hennepin County Bar Association, Debtor/Creditor Committee Meeting, December 1998

Hot Topics in FDCPA, Illinois Collectors Association, Chicago, Illinois, October 1998

Contracting With Your Creditor Clients, American Collectors Association Annual International Convention and Exposition, Las Vegas, Nevada, June 1998

Defending FDCPA Claims, American Collectors Association Annual International Convention and Exposition, Las Vegas, Nevada, June 1998

The Fair Debt Collection Practices Act:  Hot Topics in Litigation, Minnesota Unit of American Collectors Association, May 1998

Creditors and Collection Agencies:  Improving Communication/Avoiding Litigation, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1998

Under Scrutiny - A Closer Look at FDCPA Lawsuits, American Collectors Association’s 1997 Collection Business Academy, Orlando, Florida, December 1997

Fair Debt Collection Practices Act:  Consumer Bankruptcy and Collection Issues, Minnesota Institute Legal Education, November 1997

Damage Control for the Defense: Your Map to Success, American Collectors Association Members Attorney Program Seminar, May 1997

Defense of FDCPA Lawsuits:  Issues and Answers, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1997

Defense of FDCPA Lawsuits:  Issues and Answers, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1997Fair Debt Collection Practices Act:  Avoiding Malpractice (Ethical Considerations), Minnesota Lawyers Mutual Seminar -- Legal Malpractice:  Cause and Effects, June 1996

The FDCPA Nightmare:  Defending Against Frivolous/Hyper-Technical Claims, American Collectors Association’s Preventing FDCPA Lawsuits -- Members’ Attorney Program, March 1996

Soft Tissue Injury Claims:
Course Co-Chair: Soft Tissue Injuries (Beyond Whiplash), Minnesota Institute Legal Education, November 1996

The Defense Perspective on Winning a Soft Tissue Injury Case, Minnesota Institute of Legal Education CLE Seminar, November 1996

Home Inspector Liability/Construction Claim Presentations:
Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 18, 2011

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 19, 2006

Legal Defenses & Protection for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 20, 2003

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, December 7, 2002

Handling Construction-Related Claims:  Current Topics, 1998 Twin City Claims Association, November 1998

Defending Against Claims And Lawsuits -- What To Do Now That You've Been Sued, Heartland Chapter, American Society of Home Inspectors, February 1998

Confidentiality of Home Inspection Reports -- Applicable Law, Heartland Chapter, American Society of Home Inspectors, September 1995

Potential Liabilities and Risk Management for Home Inspectors, Minnesota Society of Housing Inspectors, June 1994

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 1994

Dram Shop Liability Presentations:
Meeting Planners - Legal Liability Concerns, Third Annual MPI Minnesota Chapter Spring Education Conference, April 1992

Dram Shop/Social Host Liability, Meeting Planners, Inc. Luncheon Meeting, February 1992

Environmental Claims Presentations:
Matters to Consider When Handling Environmental Claims, American States Insurance Company Annual Claims Handling Seminar, February 1991

Insurance Coverage    Environmental and Employment Claims and Joint Underwriting Authorities, Minnesota Institute of Legal Education Continuing Legal Education Seminar -- The Risk Business:  Insurance Contracts, Coverages and Carriers, 1988

Other Presentations:
Controlling Costs in High Exposure Cases, International Association of Defense Counsel (IADC) Roundtable, Chicago, Illinois, May 12, 2016

Bias: A Look at the Everyday Impacts, Bassford Remele 2016 Spring Seminar, May 5, 2016

Common Ethical Pitfalls Facing New Lawyers, Minnesota Defense Lawyers Association, Minneapolis, Minnesota, April 3, 2014

Conflicts and Other Ethics and Malpractice Issues, The St. Paul Travelers Insurance Companies, Inc., St. Paul, Minnesota, June 2, 2005

Law Firm Profitability - Re-Visited with an Emphasis on Technology, Minnesota Defense Lawyers Association Mid-Winter Conference, Alexandria, Minnesota, February 6, 2005

A Review of Recent Changes to Minnesota's Joint and Several Liability Law, Kraus-Anderson Insurance Fall Seminar 2003, September 18, 2003

Law Firm Profitability, Minnesota Defense Lawyers Association Mid-Winter Conference, Minnesota, February 2003

Real Life Legal Ethics, The St. Paul Companies Professional and Technology Errors & Omissions Claim Units. Spring 2002 Ethics CLE, June 12, 2002

JIG 91.40 -  Aggravation Issues Pending at the Supreme Court, Minnesota Institute of Legal Education, April 2002

Overview of Legal Theories and Issues in Products Liability Cases, The St. Paul Companies Upper Midwest Claims Staff Education Seminar, October 1999

Lawyers Professional Liability Responsibility Board Opinions - How They Affect Your Practice, Minnesota Institute of Legal Education Seminar, June 1999

Premises Liability:  A Legal Update, Hennepin County Bar Association Landlord/Tenant Committee, March 1999

Avoiding Bankruptcy Malpractice:  Good Lawyering Is Not Always Enough, 1995 Bankruptcy Institute, Minnesota State Bar Association Continuing Legal Education, September 1995

Experiences with ADR Process, Minnesota State Bar Association Convention, Panel Speaker/CLE Presentation, June 1995

Medical Malpractice Mock Trial, Oxboro Clinics, April 1994

Evidence in Trial Practice in Minnesota, National Business Institute Continuing Legal Education Seminar, 1993

Transitions in Health Care, College of St. Catherine Alumni Association, 1989




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Previous Employment

Indiana Department of Natural Resources, Avoca, Indiana
Fisheries Research Biologist:  1983 - 1984

Barry A. Vittor & Associates, Mobile, Alabama
Fisheries Biologist:  June - December 1982

Southern Cross Lumber Company, St. Louis, Missouri
Carpenter:  Summers 1979 and 1980




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219




Michael A. Klutho

Shareholder
Consumer Law Group Chair
Legal Malpractice Group Co-Chair

Email: mklutho@bassford.com

Phone: 612.376.1619

Fax: 612.746.1219

Michael Klutho represents creditors, financial institutions, collection agencies, attorneys, hospitals, and other businesses facing state and federal consumer-protection statutory lawsuits. His practice also includes the defense of claims brought by governmental regulators overseeing entities involved in the credit and collection industry. Michael also represents local and national professionals and their insurers in professional liability litigation, particularly emphasizing alleged legal malpractice matters. In addition, he handles matters in the areas of products liability, construction and science and technology claims.

Michael has been recognized as a Top 100 Super Lawyer by Minnesota Law & Politics and Twin Cities Business, and a Top 100 Lawyer by MPLS.ST.PAUL Magazine. He is a member of the International Association of Defense Counsel, the Association of Defense Trial Attorneys, the Professional Liability Defense Federation, the Maritime Law Association, and ACA International. Michael is certified as a Senior Civil Trial Specialist by the Minnesota State Bar Association. Michael chairs the firm’s Consumer Law Defense Practice Group and co-chairs the Legal Malpractice Defense Team. He recently served on Bassford Remele’s Management Committee as the firm’s Chief Financial Officer.


Practice Areas


Admiralty and Maritime
Commercial Litigation
Construction Law
Consumer Law Defense
Legal Malpractice
Personal Injury
Product Liability
Professional Liability
Science and Technology Law

Education


William Mitchell College of Law

J.D., 1987
Honors:  Cum Laude

Southern Illinois University

M.A., 1983
Major:  Zoology

University of Missouri

B.S., 1980
Major:  Fisheries & Wildlife Management

Bar Admissions


State Bars
Minnesota, 1987
Missouri, 2001
Wisconsin, 2001
Iowa, 2016

Federal Bars
U.S. District Court, District of Minnesota, 1988
U.S. District Court, Eastern District of Wisconsin, 2001
U.S. District Court, Western District of Wisconsin, 2001
U.S. District Court, District of North Dakota, 2001
U.S. District Court, District of Nebraska, 2001
U.S. District Court, Eastern District of Arkansas, 2001
U.S. District Court, Western District of Arkansas, 2001
U.S. District Court, Eastern District of Missouri, 2012
U.S. District Court, Western District of Missouri, 2004
U.S. District Court, District of Kansas, 2007
U.S. District Court, District of Colorado, 2014

Appellate Bars
U.S. Supreme Court, 1996
U.S. Court of Appeals, Second Circuit, 2014
U.S. Court of Appeals, Seventh Circuit, 2007
U.S. Court of Appeals, Eighth Circuit, 1992

Certifications


Senior Civil Trial Law Specialist, certified by the Minnesota State Bar Association


Honors and Awards


Selected to the “Top 100 Minnesota Super Lawyers” list, published by Minnesota Law & Politics/Super Lawyers, MPLS.ST.PAUL Magazine and Twin Cities Business, 2013 - 2014

Selected to the Minnesota Super Lawyers list, published by Minnesota Law & Politics/Super Lawyers, 1998 - Present, and “Top Lawyers” list by MPLS.ST.PAUL Magazine, 1998 - Present, and “Super Lawyers” list by Twin Cities Business, 1998 - Present

Selected to the “Best Personal Injury Attorneys” list, published by Minnesota Law & Politics, 2001 (selection limited to the top 200 plaintiffs and defense personal injury attorneys in Minnesota)

ACA International, Inc.
     Fred Kirschner Instructor Achievement Award, 2012
     Foundation Fellow Award, 2002


Professional Awards and Memberships


National Association of Distinguished Counsel

2015 - Present


International Association of Defense Counsel (IADC)

2003 - Present


Association of Defense Trial Attorneys (ADTA)

2003 - Present


Professional Liability Defense Federation

2015 - Present


The Federal Bar Association (FBA)

1999 - Present


Defense Research Institute

2011 - Present


Minnesota Supreme Court Pro Se Implementation Committee

Frivolous Litigation Subcommittee, 1997


Minnesota State Bar Association

Consumer Law Section, 2012 - Present
Civil Trial Certification Board, Past Member
Court Rules and Administration Committee, 1995 - 2000


Hennepin County Bar Association

1987 - Present
Environmental Law Committee


Fourth Judicial District Ethics Committee

Investigator and Panel Member, 1997 - 2000


The Missouri Bar

2001 - Present


State Bar of Wisconsin

2001 - Present


Minnesota Defense Lawyers Association, 1987 - Present

Products Liability Committee, 1996 - Present
Chair, 1998 - 2000
Toxic Tort/Environmental Law Committee, 1990 - Present
Technology Committee, 2000 - Present


Academy of Certified Trial Lawyers of Minnesota

 Judicial Endorsement Committee, 2006


Maritime Law Association

1997 - Present


ACA International, Inc., 1996 - Present

Members’ Attorney Program
  Members’ Attorney Program Designation, 2013
  Board of Directors, 1996 - 1998
  Membership Committee, 2002 - 2004
  CNR Committee, 2009 - Present
Certified Instructor, 1997 - Present
QBE North America Regional Defense Panel, 2015 - Present
Travelers Insurance Companies Regional Defense Panel,
2004 - Present
Northland/Gulf Insurance Company Regional Defense Panel,
2000 - 2003
AIG Claim Advisory Panel, 1998 - 2000
Fellow, Designation Program, 2013
Scholar Designation Program, 2013
Council of Delegates, MAP Representative, 2013 - 2014
Board of Directors, 2002 - 2004
Fred Kirschner Instructor Achievement Award, 2012
FCRA Task Force, 2003
ACPAC Steering Committee, 2002 - 2010
Foundation Fellow Award, 2002
Professional Collection Specialist, 2000 - Present
Voting and Election Procedures Task Force, 2003


Better Business Bureau

Arbitrator
1987 - 2002


Private Pilot (non-current)


Representative Cases


Legal Malpractice
McGrann Shea Carnival Straughn & Lamb v. Roberts, 2014 Minn. App. Unpub. LEXIS 873, 2014 WL 3892593 (Minn. Ct. App. Aug. 11, 2014).

Yang v. Hanson, No. A11-999, 2012 WL 254499 (Minn. App. Jan. 30, 2012).

Manning v. SA Challenger, Inc., 2011 WL 5528960 (D. Minn. Nov. 14, 2011) (adopting report and recommendation of Magistrate Judge Janie S. Mayerson, 2011 WL 5520438).

Fletcher v. Zellmer, 105 F.3d 662 (8th Cir. 1997).

Burns v. Aon Corp., 83 F.3d 425 (8th Cir. 1996).

Fletcher v. Zellmer, 909 F. Supp. 678 (D. Minn. 1995).

Litherland v. Meshbesher Law Office, Ltd., No. C0-94-2583, 1995 WL 1467 (Minn. Ct. App. Jan. 3, 1995).

Trenchers Plus, Inc. v. Suter, No. C0-03-115, 2003 WL 21743734 (Minn. Ct. App. July 29, 2003).

Professional Liability
Little ex rel. R.D.C. v. Parents in Cmty. Action
, No. A05-1336, 2006 WL 1148107 (Minn. Ct. App. May 2, 2006).

Lumbermen’s Underwriting Alliance v. Tifco, Inc., 465 N.W.2d 580 (Minn. Ct. App. 1991).

Hjellming v. Larsen, No. C3-88-1998, 1989 WL 5603 (Minn. Ct. App. Jan. 31, 1989).

Commercial Litigation
Int’l Mktg. Res., Inc. v. Maquilaplex, LLC
, No. 02-3459, 2002 WL 31689436 (D. Minn. Nov. 27, 2002).

Neslund v. Stroeh, 12 F.3d 1103 (8th Cir. 1993).

Construction
Rahr Malting Co. v. Climatic Control Co., Inc
., 150 F.3d 835 (8th Cir. 1998).

Boyd v. Mid-Minn. Concrete/Excavating, Inc., 1995 WL 254366 (Minn. Ct. App. May 2, 1995).

Environmental
United States v. Arrowhead Ref. Co
., 829 F. Supp. 1078 (D. Minn. 1992).

Sylvester Bros. Dev. Co. v. Burlington N. R.R., 772 F. Supp. 443 (D. Minn. 1990). (Landfill Cleanup)

Other
Herrmann v. ExpressJet Airlines, Inc.,
No. 08-977, 2009 WL 1244052 (D. Minn. May 5, 2009). (Premises Liability)

Savig v. First National Bank of Omaha, 781 N.W.2d 335 (Minn. 2010). (Amicus Curiae)

Schur v. Langeslay, No. C1-01-1379, 2002 WL 378139 (Minn. Ct. App. Mar. 12, 2002). (Dram Shop, Duty to Warn)

Rennick v. Minnegasco, No. C5-90-917, 1990 WL 178499 (Minn. Ct. App. Nov. 20, 1990). (Product Liability, Explosion)

Consumer Law
Martin v. First Financial Management, No. 10-CV-16-235 (Carver Cnty. Minn. July 12, 2016).

Hudson v. Wilford, Geske & Cook, P.A., 2016 U.S. Dist. LEXIS 79493 (D. Minn. June 17, 2016).

Bredlow v. CitiMortgage, Inc., 2016 U.S. Dist. LEXIS 9785 (D. Minn. Jan. 26, 2016).

Gensel v. Performant Techs., 2015 U.S. Dist. LEXIS 142303, 2015 WL 6158072 (E.D. Wis. Oct. 20, 2015).

Perryman v. Account Recovery Specialists, Inc., 2015 U.S. Dist. LEXIS 113035, 2015 WL 5053550 (D. Kan. Aug. 26, 2015).

Altman v. J.C. Christensen & Assocs., 786 F.3d 191 (2d Cir. N.Y. 2015).

Powers v. Credit Mgmt. Servs., 776 F.3d 567 (8th Cir. Neb. 2015).

Mazur v. Nat'l Account Sys. of Omaha, LLC, 2014 U.S. Dist. LEXIS 175661 (D. Neb. Dec. 16, 2014).

Martin v. Kan. Counselors, Inc., 2014 U.S. Dist. LEXIS 66199 (D. Kan. May 13, 2014).

Lansing v. Wilford, 2013 U.S. Dist. LEXIS 146655, 2013 WL 5587956 (D. Minn. Oct. 10, 2013).

Erickson v. Performant Recovery, Inc., No. 12-2818, 2013 WL 3223367 (D. Minn. June 25, 2013).

Atchison v. Hiway Federal Credit Union, No. CIV 12-2143, 2013 WL 1175020 (D. Minn. Mar. 20, 2013).

Olson v. Wilford, Geske & Cook, P.A., No. Civ. 12-1895, 2013 WL 489040 (D. Minn. Feb. 8, 2013).

Moore v. Ccb Credit Servs., 2013 U.S. Dist. LEXIS 8010, 2013 WL 211048 (E.D. Mo. Jan. 18, 2013).

Zortman v. JC Christensen & Associates, 2012 WL 1563912 (D. Minn. May 2, 2012).

Edeh v. Midland Credit Management, Inc., 413 Fed. App’x 925 (8th Cir. 2011).

Zwicky v. Carlson & Associates, Ltd., No. 11-1414, 2011 WL 6203058 (D. Minn. Dec. 13, 2011).

Lynch v. Nelson Watson & Associates,LLC, No. 10-2025, 2011 WL 2472588 (D. Kan. June 21, 2011).

Adams v. J.C. Christensen & Associates, Inc., 777 F. Supp. 2d 1193 (D. Minn. 2011).

Jenkins v. General Collection, Co., No. 8:06CV743, 2009 WL 3631014 (D. Neb. Oct. 26, 2009).

State ex rel. Swanson v. Messerli and Kramer, P.A., No. A08-0415, A08-0551, 2009 WL 1046869 (Minn. Ct. App. Apr. 21, 2009).

Wilhelm v. Credico, Inc., 519 F.3d 416 (8th Cir. 2008).

Wilhelm v. Credico, Inc., No. 1:05-cv-002, 2008 WL 5156660 (D.N.D. Dec. 2, 2008).

Riermersma v. Messerli & Kramer, P.A., No. 07-3898, 2008 WL 2390729 (D. Minn. June 9, 2008).

Schmitt v. FMA Alliance, 398 F.3d 995 (8th Cir. 2005).

Strand v. Diversified Collection Serv., Inc., 380 F.3d 316 (8th Cir. 2004).

Udell v. Kan. Counselors, Inc., 313 F. Supp. 2d 1135 (D. Kan. 2004).

Burdett v. Harrah’s Kan. Casino Corp., 294 F. Supp. 2d 1215 (D. Kan. 2003).

Strand v. Diversified Collection Serv., Inc., No. 03-3560 (D. Minn. Nov. 6, 2003).

Schmitt v. FMA Alliance, Ltd., No. 03-3483 (D. Minn. 2003).

Burdett v. Harrah’s Kan. Casino Corp., 260 F. Supp. 2d 1109 (D. Kan. 2003).

Jones v. CBE Group, Inc., 215 F.R.D. 558 (D. Minn. 2003).

Siharath v. Citifinancial Servs, 285 B.R. 299 (Bankr. D. Minn. 2002).

Hicken v. Arnold, Anderson & Dove, PLLP, 137 F. Supp. 2d 1141 (D. Minn. 2001).

Sower v. Van Ru Fin. Servs., Inc., No. 3-94-1591, 1995 WL 870853 (D. Minn. June 28, 1995).


Publications


A. Torts and Insurance:

Co Author, Notes & Trends - Torts and Insurance, monthly column, Bench and Bar, 1992 - 2007.

Klutho, M.A. and Hill, J.L., Minnesota Underinsured Motorist Claims:  Current Topics, Minnesota Lawyers Mutual View, January 1999.

Anderson, J.M. and Klutho, M.A., Continuing Developments Regarding Insurance Coverage for Environmental Claims, 15 Minnesota Defense 16 (1994).

B. Fair Debt Collection Practices Act (FDCPA) and Related Issues:
TCPA 'Clarifications' Likely Lead to Flood of Lawsuits, Minnesota Lawyer, November 24, 2015

Klutho, M.A., The Fair Debt Collection Practices Act: A Discussion of Compliance Issues, Debtor and Creditor Conference, Minnesota CLE, October 15, 2012

Klutho, M.A., The Fair Debt Collection Practices Act: A Discussion of Compliance Issues, Debtor and Creditor Conference, Minnesota CLE, October 11, 2011

Klutho, M.A., FDCPA and FCRA Housing Law in Minnesota Seminar, Minnesota CLE, May 21, 2007

Klutho, M.A., The FDCPA and FCRA in Review Legal Malpractice & Risk Management Annual Conference, March 7, 2007

Klutho, M.A., FDCPA Tripwires: Where Are They and How Might You Avoid Them? Hennepin County Bar Association, February 21, 2007

Klutho, M.A., Legal Liability Under FDCPA, FCRA, Gramm Leach Bliley and HIPAA, CPCU Society Symposium, April 19, 2006

Klutho, M.A. and Brown, J.N., Issues in State Collection Laws; Avoiding the Common Traps.  ACA International, Inc. Teleseminar.  August 24, 2005

Klutho, M.A. and Hoss, S.J., State Collection Issues.  ACA International, Inc. Annual Convention.  Washington, D.C.  July 21, 2005

Klutho, M.A. and Hoss, S.J., The Ins and Outs of Check Collection.  ACA International, Inc. Joint Programs Conference.  November 5, 2004

Klutho, M.A., Defending a Debt Collection Practices Act Claim (a/k/a Risk Management Tips for Collection Attorneys).  Hennepin County Bar Association Creditor-Debtor CLE.  April 21, 2004.

Klutho, M.A. and Morris, C.R., Legal Risks in the Check Industry & How to Attack Them.  ACA International, Inc.  April 3, 2003.

Klutho, M.A., Hot Topics in Debt Collection.  Minnesota Institute of Legal Education.  January 24, 2002.

Klutho, M.A., Gramm Leach Bliley Act (GLB) and Fair Credit Reporting Act (FCRA).  National Association of Retail Collection Attorneys.  October 13, 2001.

Klutho, M.A., Privacy Issues Facing Collections Professionals.  American Collectors Annual International Convention & Exposition Presentation Paper.  July 2000.

Klutho, M.A. and Diekmann, T.A., Invasion of Privacy Tort Rarely Applies to Debt Collection.  MAP Bulletin, August 1999.

Klutho, M.A., Healthcare Subrogation: Business Opportunities and Legal Concerns.  American Collectors Association March for Success Meeting.  Scottsdale, Arizona.  March 1999.

Klutho, M.A. and Morris, C.R., The Fair Debt Collection Practices Act:  A Legal Update.  Hennepin County Bar Association, Debtor/Creditor Committee Meeting, December 1998.

Klutho, M.A. and Morris, C.R., Legal Concerns For Creditors When Collecting Debt and Effective Utilization of Collection Agencies.  MMGMA Seminar.  September 1998.

Klutho, M.A. and Morris, C.R., Contracting With Your Creditor Client:  Points To Consider. American Collectors Annual International Convention & Exposition Presentation Paper.  June 1998.

Klutho, M.A. and Morris, C.R., The Fair Debt Collections Practices Act:  Hot Topics In Litigation.  Minnesota Unit, American Collectors Association Presentation Paper.  May 1998.

Klutho, M.A. and Morris, C.R., Fair Debt Collection Practices Act:  How To Reduce Your Exposure and Avoid Lawsuits.  Minnesota MILE Seminar.  November 1997.

Klutho, M.A. and Morris, C.R., Partners In Law?  An Examination of Creditor Liability Under the FDCPA.  Collector Magazine, American Collectors Association.  June 1997.

Klutho, M.A. and Morris, C.R., FDCPA Claims and Lawsuits:  Beware of Bankruptcies.  American Collectors Association, MAP Bulletin.  December 1996.

Klutho, M.A. and Morris, C.R., Fair Debt Collection Practices Act:  Avoiding Malpractice (Ethical Considerations).  Minnesota Lawyers Mutual Presentation Paper.  June 1996.

C. Bankruptcy Malpractice Issues:

Knowles, F. and Klutho, M.A., Bankruptcy Crimes And Malpractice:  Knowing The Law Is Not Enough (But It Helps).  1995 Minnesota CLE Bankruptcy Institute.

D. Products Liability Issues:

Klutho, M.A. and Hodkinson, M.P., Overview of Legal Theories and Issues in Products Liability Cases.  The St. Paul Companies Upper Midwest Claim Staff Education Seminar.  October 1999.

Klutho, M.A. and Hodkinson, M.P., Products Liability Claims Investigation Checklist.  The St. Paul Companies Upper Midwest Claim Staff Education Seminar.  October 1999.

Klutho, M.A. and Hickey, K.P., Developments in Products Liability Evidence.  Minnesota Defense.  Fall 1990.

E. Construction-Related Claims:
Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 18, 2011

Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 19, 2006

Klutho, M.A., Legal Defenses & Protection for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 20, 2003

Klutho, M.A., Potential Liabilities and Risk Management for Home Inspectors.  Heartland Chapter American Society of Home Inspectors PowerPoint Presentation.  December 2002.

Klutho, M.A., Defending Against Claims And Lawsuits - What To Do Now That You’ve Been Sued.  Heartland Chapter American Society of Home Inspectors Presentation Paper.  February 1998.

Klutho, M.A. and Switzer, M.A., Premises Liability:  A Legal Update.  Hennepin County Bar Association Landlord/Tenant Committee Presentation Paper.  March 1999.

Klutho, M.A. and Whitmore, M.R., Handling Construction-Related Claims:  Current Topics. 1998 Twin Cities Claims Association.

F. Non-Legal Publications:

Klutho, M.A., and Ball, R.L., 1983 Fishing Effort and Harvest at Brookville Reservoir.  Fisheries Section, Indiana Department of Natural Resources.  1984.

Ball, R. L., and Klutho, M.A., Evaluation of Factors Influencing Survival of Young Walleye in Brookville Reservoir.  Fisheries Section, Indiana Department of Natural Resources.  1984.

Klutho, M.A., Seasonal, Daily, and Spatial Variation of Shoreline Fishes in the Mississippi River at Grand Tower, Illinois.  Master’s Thesis, Southern Illinois University.  1983.


Presentations


Fair Debt Collection Practices Act Presentations:
The Aftermath of Spokeo - Where Do We Stand Now?, ACA International, Inc. Fall Forum & Expo, Chicago, Illinois, November 10, 2016

ACA Training: Duties of Data Furnishers under the FCRA, California Association of Collectors Annual Conference and Expo, Carlsbad, California, October 18, 2016

Recent Developments and Hot Tips in Collection Law, Bar Wars: Ethics and Debt Collection Seminar, Maryland State Bar Association, August 9, 2016

What Have those State Regulators been Doing this Past Year? ACA International, Inc. Annual Convention, Denver, Colorado, June 18, 2016

Recent Consumer Claims Analysis, Current Hot Claims and What is Next on the Litigation Horizon, ACA International, Inc. Annual Convention, Denver, Colorado, June 17, 2016

Flying Under the Radar: Complying with UDAAP Under a Time of Heightened Scrutiny, ACA International, Inc. Spring Forum & Expo, Las Vegas, Nevada, March 10, 2016

Where is the Class Action? ACA International, Inc. Fall Forum & Expo, Chicago, Illinois, November 6, 2015

Hot Topics in Consumer Litigation: What’s Happening Now and What’s on the Horizon, ACA International, Inc. Annual Convention, Boston, Massachusetts, July 21, 2015

Bankruptcy/Debtor-Creditor: FDCPA, Minnesota CLE, Minneapolis, Minnesota, January 22, 2015

Ethical Debt Collection, ACA International, Inc. Fall Forum & Expo, San Francisco, California, November 6, 2014

Attorney Debt Collection:  Hazards and Pitfalls, Minnesota CLE, Minneapolis, Minnesota, October 30, 2014

Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Oakdale, Minnesota, September 30, 2014

FDCPA and Consequences of Non-Compliance, Maryland State Bar Association, Columbia, Maryland, August 14, 2014

Fair Debt Collection Practices Act: The Latest Trends and Developments, Minnesota State Bar Association, Minneapolis, Minnesota, May 30, 2014

Attorney Panel, Illinois Collectors Association, Wisconsin Collectors Association and Minnesota Association of Collectors Joint Chapter Conference, Delavan, Wisconsin, May 14, 2014

Telephone Consumer Protection Act (TCPA) - A Primer, National Healthcare Collectors Association Spring Conference, Miami, Florida, April 29, 2014

UDAAP and the CFPB: What It Is and How It Applies, ACA International, Inc. Webinar, February 18, 2014

Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Oakdale, Minnesota, September 17, 2013

Attorney Panel, Bankruptcy, Chicago Licensing, Garnishments, and Other Hot Topics, Minnesota Association of Collectors, Wisconsin Collectors Association, Illinois Collectors Association and Iowa Collectors Association, Spring Conference, Wisconsin Dells, Wisconsin, May 8, 2013

Defense Litigation Strategies for the Collection Industry, ACA International, Inc., Gulf States Unit, Biloxi, Mississippi, April 9, 2013

Defense Litigation Strategies for the Collection Industry, ACA International, Inc., Honolulu, Hawaii, February 23, 2013

Essential Collection Skills and Techniques, ACA International, Honolulu, Hawaii, February 23, 2013

Attorney Debt Collection:  Hazards and Pitfalls, Minnesota CLE, Minneapolis, Minnesota, January 31, 2013

Defense Litigation Strategies for the Collection Industry, ACA Unit Leadership Meeting, Bloomington, Minnesota, October 24, 2012

Compliance with the FDCPA and Consequences of Non-Compliance, Second Annual Debtor and Creditor Conference Minnesota CLE, October 15, 2012

Keeping an Eye on the Judiciary, Ontario Systems, Quarterly Compliance Update Webinar, August 22, 2012

Ask the Attorney, ACA International, Inc. Annual Convention, Hollywood, Florida, July 20, 2012

Cases, Claims & Groundbreaking Lawsuits, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Eau Claire, Wisconsin, May 17, 2012

Defense Litigation Strategies for the Collection Industry, Annual State Unit Meeting of Illinois and Iowa Collectors Association, Galena, Illinois, May 2, 2012

Cases, Claims & Groundbreaking Lawsuits, ACA International, Inc. Webinar, April 25, 2012

Collection Professionals - Tips to Uncover and Avoid Legal Liability Tripwires, Missouri and Kansas Collectors Association Conference, Lake of the Ozarks, Missouri, April 19, 2012

Settlement Negotiation Strategies in Individual and Class Action Litigation, ACA International, Inc., MAP Fall Forum, Chicago, Illinois, November 10, 2011

Fair Debt Collection Practices Act, Debtor and Creditor Conference, Minnesota Continuing Legal Education, Minneapolis, Minnesota, October 11, 2011

FDCPA Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Brainerd, Minnesota, September 8, 2011

Defense Litigation Strategies for the Collection Industry, ACA International, Inc. Annual Convention, Dallas, Texas, July 14, 2011

Ask the Attorney: FDCPA, FCRA & TCPA Hot Topics, ACA International, Inc. Annual Convention, Dallas, Texas, July 13, 2011

Defense Litigation Strategies for the Collection Industry, ACA International, Inc.
Annual Convention, Dallas, Texas, July 12, 2011

Attorney Panel – Latest Cases and Issues, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Eau Claire, Wisconsin, May 19, 2011

Usury Laws, Credit & Financial Development Division, National Association of Credit Management, Brooklyn Park, Minnesota, December 14, 2010

Usury Laws, Forius, The Business Credit Resource Group, Bloomington, Minnesota, August 13, 2010

Ask the Attorney: FDCPA, FCRA & TCPA Hot Topics, ACA International, Inc. Annual Convention, Washington, D.C., July 13, 2010

Working with Regulatory Bodies, Collection Law Summit, Current Events & Trends, Cases & Commentary, Hennepin County Bar Association, Debtor and Creditor Section, June 16, 2010

Attorney Panel – Latest Cases and Issues, Minnesota Association of Collectors & Wisconsin Collectors Association, Annual Conference, Red Wing, Minnesota, May 21, 2010

Top 10 Ways to Avoid Agency Litigation, ACA International, Inc. Teleseminar, May 7, 2010

Attorney Panel, Annual State Unit Meeting of Missouri, Illinois, and Iowa Collectors Association, Normal, Illinois, April 23, 2010

Q&A Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Brainerd, Minnesota, September 10, 2009

Opposing Class Certification Panel, ACA International, Inc. Annual Convention, MAP Legal Education Conference, Las Vegas, Nevada, July 15, 2009

Hot Topics General Session, ACA International, Inc. Annual Convention, MAP Legal Education Conference, Las Vegas, Nevada, July 14, 2009

Play Your Cards Right: Recent Case Law and Hot Topics to Ensure Compliance with FDCPA, TCPA and FCRA, ACA International, Inc. Annual Convention, Las Vegas, Nevada, July 13, 2009

MAP Attorney Panel, Minnesota Association of Collectors and Wisconsin Collectors Association Joint Meeting, La Crosse, Wisconsin, May 20-22, 2009

Risk Management Topics for Collection Agencies, Missouri Collectors Association Annual Meeting, St. Louis, Missouri, April 9, 2009

Q&A Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Duluth, Minnesota, September 12, 2008

Technology and the FDCPA, 12th Annual Members Attorney Program Legal Education Conference, Hollywood, Florida, July 25, 2008

View FDCPA Claims with Open Eyes, ACA International, Inc. Teleseminar, July 17, 2008

MAP Attorney Panel, Minnesota Association of Collectors & Wisconsin Collectors’ Association 2008 Annual Conference, Red Wing, Minnesota, May 8, 2008

Winning Collection Lawsuits: Nuts & Bolts, Collection Advisor Tech’07 Conference, Las Vegas, Nevada, November 8, 2007

FDCPA Issues for Owners, ACA International, Inc. U.S. Department of the Treasury Seminar, Washington, D.C., July 10, 2007

FDCPA Facts, Fiction and Reality, ACA International, Inc. U.S. Department of the Treasury Seminar, Washington, D.C., July 9, 2007

FDCPA and FCRA, Housing Law in Minnesota Seminar, Minnesota CLE, May 21, 2007

The FDCPA and FCRA in Review, Legal Malpractice & Risk Management Annual Conference, Chicago, Illinois, March 7, 2007

FDCPA Tripwires: Where Are They and How Might You Avoid Them? Hennepin County Bar Association, February 21, 2007

Defending Class Actions, ACA International, Inc. Annual Convention, MAP Legal Education Conference, San Diego, California, July 10, 2006

FDCPA Mock Trial, ACA International, Inc. Annual Convention, MAP Legal Education Conference, San Diego, California, July 10, 2006

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, San Diego, California, July 9, 2006

Litigation Wins and Worries; Hot Compliance Issues of the Year, ACA International, Inc. Teleseminar, June 27, 2006

Q&A Attorney Panel, Minnesota Association of Collectors & Wisconsin Collectors’ Association Annual Conference, Wisconsin Dells, Wisconsin, May 11, 2006

Legal Liability Under FDCPA, FCRA, Gramm Leach Bliley and HIPAA, CPCU Society Symposium, St. Paul, Minnesota, April 19, 2006

Q&A Attorney Panel Session, Minnesota Association of Collectors Fall Conference, Bloomington, Minnesota, November 10, 2005

Collection Laws for Creditors, ACA International, Inc. Teleseminar, September 21 and 22, 2005

Issues in State Collection Laws; Avoiding the Common Traps, ACA International, Inc. Teleseminar, August 24, 2005

State Collection Issues, ACA International, Inc. Annual Convention, Washington, D.C., July 21, 2005

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, Washington, D.C., July 20, 2005

FDCPA:  Facts, Fiction and Reality, ACA International, Inc. Teleseminar, February 8 and 9, 2005

FDCPA:  Issues for Collectors, ACA International, Inc., Honolulu, Hawaii, November 13, 2004

FDCPA:  Issues for Owners, ACA International, Inc., Honolulu, Hawaii, November 12, 2004

Clearing Up the Confusion II, ACA International, Inc. Teleseminar, November 11, 2004

The Ins and Outs of Check Collection, ACA International, Inc., Chicago, Illinois, November 5, 2004

FDCPA:  Facts, Fiction and Reality, ACA International, Inc. Teleseminar, September 22 and 23, 2004

Q&A Attorney Panel, Minnesota Association of Collectors Fall Conference, Breezy Point, Minnesota, September 9, 2004

FDCPA: Issues for Owners, ACA International, Inc. Annual Convention, Dallas Texas, July 14, 2004

Q&A Attorney Panel – Recent Cases Pertaining to the Collection Industry, Minnesota Association of Collectors Spring Conference, Minneapolis, Minnesota, May 6, 2004

Defending a Debt Collection Practices Act Claim (a/k/a Risk Management Tips for Collection Attorneys), Hennepin County Bar Association Creditor-Debtor CLE, Minneapolis, Minnesota, April 21, 2004

State Issues, ACA International, Inc., Arlington, Virginia, March 9, 2004

Legal Trends and Defense Strategies, ACA International, Inc., Arlington, Virginia, March 8, 2004

FCRA’s Pending Expiration & What it Means to You, ACA International, Inc. Teleseminar, October 30, 2003

Fair Debt Collection Practices Act Workshop, Arkansas Collectors Association, Little Rock, Arkansas, October 25, 2003

Attorney Panel, Minnesota Association of Collectors, Inc. Fall Conference, September 11, 2003

Legislative and Case Law Update on: FDCPA, Gramm Leach Bliley, HIPAA, NSF Checks, “Meaningful Involvement,” Credit Repair, Technology Issue, Minnesota Institute of Legal Education, May 13, 2003

Legal Risks in the Check Industry & How to Attack Them, ACA International, Inc., April 4, 2003

Beyond the Legal-Ease, Parts I and II, ACA International, Inc., April 4, 2003

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
• Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., April 1, 2003

A Premier on FDCPA/FCRA and Related Issues for Claims Representatives, Northland Insurance Companies, February 6, 2003

The Fair Debt Collection Practices Act and Other Hot Collection Issues, MILE Seminar, January 24, 2000

Overcoming Current Compliance Concerns:  Keeping Yourself Out of Hot Water, ACA International, Inc., January 15, 2003

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
• Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., December 12 - 13, 2002

Liability Concerns for Debt Collection Professionals (Including The Fair Debt Collection Practices Act), Lorman Education Services, September 12, 2002

Q&A Attorney Panel - Compliance Issues, Minnesota Association of Collectors/Associated Credit Bureaus of Minnesota, September 10, 2002

HIPAA - Compliance Issues, Minnesota Association of Collectors/Associated Credit Bureaus of Minnesota, September 10, 2002

Fair Credit Reporting Act, ACA International, Inc. Annual Convention, Orlando, Florida, July 20, 2002

Professional Risks for Attorneys, MAP Legal Education Conference, Orlando, Florida, July 19, 2002

How Does Meaningful Involvement Impact Your Practice? MAP Legal Education Conference, Orlando, Florida, July 19, 2002

How Does Meaningful Involvement Impact Your Practice? MAP Legal Education Conference, Orlando, Florida, July 19, 2002

Professional Practices Management System (PPMS) Instructor:
• Why Comply – Benefits of a Compliance Program
• Core PPMS Competencies
 Federal and State Law Compliance
• Other Corporate Compliance Issues
• Compliance Q&A
ACA International, Inc., June 24-25, 2002

Consumer Relations:  Keeping Your Customers and Collecting Your Debt, ACA Creditor International Teleseminar, March 2002

Fair Credit Reporting Act (FCRA) and Healthcare Recoveries--Are You Compliant? Collections and Credit Risk Conference, New Orleans, Louisiana, March 2002

The Ethics of Debt Collection:  Board Opinion 10 and Other Important Ethical Consideration, All District Legal Education, March 7, 2002

Defending an FDCPA Case:  A Real Federal Case, All District Legal Education, March 7, 2002

Hot Topics in Debt Collection, Minnesota Institute of Legal Education, January 24, 2002

Understanding the Fair Credit Reporting Act, Kansas Collectors Conference, Topeka, Kansas, October  8, 2001

Hot Topics in Debt Collection, Hennepin County Bar Association Debtor/Creditor CLE Program, Minneapolis, Minnesota, October 17, 2001

Gramm Leach Bliley Act (GLB) and Fair Credit Reporting Act (FCRA), National Association of Retail Collection Attorneys Fall Collection Conference, Las Vegas, Nevada, October 13, 2001

Q&A Attorney Panel Session, Minnesota Association of Collectors Fall Conference, The Lodge at Giants Ridge, Minnesota, September 13, 2001

FDCPA Seminar:  Issues for Owners, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 14, 2001

Risk Management Forum:  Controlling Risk, Managing Exposure for Collection Professionals, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 13, 2001

State Licensing and Collection Laws, American Collectors Association Annual Convention, Philadelphia, Pennsylvania, July 13, 2001

HIPAA [Health Insurance Portability and Accountability Act] . . . Required Contract Provisions in Healthcare Provider Billing and Collection Services Contracts, American Collectors Association Teleseminar, May 9, 2001

FDCPA Claims Open Forum:  Legal Issues for the Credit and Collection Industry, American Collectors Association Annual Convention, San Diego, California, July 2000

Data Privacy Issues Today, American Collectors Association Annual Convention, San Diego, California, July 2000

MAP Attorney Panel -- FDCPA, FCRA and State Issues, American Collectors Association Regional Collectors Conference 2000, Lake Geneva, Wisconsin, May 2000

General Session: Litigation Trends and Outcomes, American Collectors Association Annual Convention, Chicago, Illinois, July 1999

Pre-Collection & Billing, Add-On Fees, and Debt Responsibility, American Collectors Association Annual Convention, Chicago, Illinois, July 1999

Pre-Collection & Billing, Add-On Fees, and Debt Responsibility, American Collectors Association’s On-Line Forum, June 1999

AIG Claims Panel Presentation, American Collectors Association’s Corporate Counsel Meeting, Chicago, Illinois, April 1999

FDCPA Mock Trial Presentation, American Collectors Association March for Success Meeting, Scottsdale, Arizona, March 1999

Healthcare Subrogation: Business Opportunities and Legal Concerns, American Collectors Association March for Success Meeting, Scottsdale, Arizona, March 1999

The Fair Debt Collection Practices Act:  A Legal Update, Hennepin County Bar Association, Debtor/Creditor Committee Meeting, December 1998

Hot Topics in FDCPA, Illinois Collectors Association, Chicago, Illinois, October 1998

Contracting With Your Creditor Clients, American Collectors Association Annual International Convention and Exposition, Las Vegas, Nevada, June 1998

Defending FDCPA Claims, American Collectors Association Annual International Convention and Exposition, Las Vegas, Nevada, June 1998

The Fair Debt Collection Practices Act:  Hot Topics in Litigation, Minnesota Unit of American Collectors Association, May 1998

Creditors and Collection Agencies:  Improving Communication/Avoiding Litigation, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1998

Under Scrutiny - A Closer Look at FDCPA Lawsuits, American Collectors Association’s 1997 Collection Business Academy, Orlando, Florida, December 1997

Fair Debt Collection Practices Act:  Consumer Bankruptcy and Collection Issues, Minnesota Institute Legal Education, November 1997

Damage Control for the Defense: Your Map to Success, American Collectors Association Members Attorney Program Seminar, May 1997

Defense of FDCPA Lawsuits:  Issues and Answers, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1997

Defense of FDCPA Lawsuits:  Issues and Answers, American Collectors Association’s National Legislative Conference, Washington, D.C., February 1997Fair Debt Collection Practices Act:  Avoiding Malpractice (Ethical Considerations), Minnesota Lawyers Mutual Seminar -- Legal Malpractice:  Cause and Effects, June 1996

The FDCPA Nightmare:  Defending Against Frivolous/Hyper-Technical Claims, American Collectors Association’s Preventing FDCPA Lawsuits -- Members’ Attorney Program, March 1996

Soft Tissue Injury Claims:
Course Co-Chair: Soft Tissue Injuries (Beyond Whiplash), Minnesota Institute Legal Education, November 1996

The Defense Perspective on Winning a Soft Tissue Injury Case, Minnesota Institute of Legal Education CLE Seminar, November 1996

Home Inspector Liability/Construction Claim Presentations:
Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 18, 2011

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, January 19, 2006

Legal Defenses & Protection for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 20, 2003

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, December 7, 2002

Handling Construction-Related Claims:  Current Topics, 1998 Twin City Claims Association, November 1998

Defending Against Claims And Lawsuits -- What To Do Now That You've Been Sued, Heartland Chapter, American Society of Home Inspectors, February 1998

Confidentiality of Home Inspection Reports -- Applicable Law, Heartland Chapter, American Society of Home Inspectors, September 1995

Potential Liabilities and Risk Management for Home Inspectors, Minnesota Society of Housing Inspectors, June 1994

Potential Liabilities and Risk Management for Home Inspectors, Heartland Chapter, American Society of Home Inspectors, February 1994

Dram Shop Liability Presentations:
Meeting Planners - Legal Liability Concerns, Third Annual MPI Minnesota Chapter Spring Education Conference, April 1992

Dram Shop/Social Host Liability, Meeting Planners, Inc. Luncheon Meeting, February 1992

Environmental Claims Presentations:
Matters to Consider When Handling Environmental Claims, American States Insurance Company Annual Claims Handling Seminar, February 1991

Insurance Coverage    Environmental and Employment Claims and Joint Underwriting Authorities, Minnesota Institute of Legal Education Continuing Legal Education Seminar -- The Risk Business:  Insurance Contracts, Coverages and Carriers, 1988

Other Presentations:
Controlling Costs in High Exposure Cases, International Association of Defense Counsel (IADC) Roundtable, Chicago, Illinois, May 12, 2016

Bias: A Look at the Everyday Impacts, Bassford Remele 2016 Spring Seminar, May 5, 2016

Common Ethical Pitfalls Facing New Lawyers, Minnesota Defense Lawyers Association, Minneapolis, Minnesota, April 3, 2014

Conflicts and Other Ethics and Malpractice Issues, The St. Paul Travelers Insurance Companies, Inc., St. Paul, Minnesota, June 2, 2005

Law Firm Profitability - Re-Visited with an Emphasis on Technology, Minnesota Defense Lawyers Association Mid-Winter Conference, Alexandria, Minnesota, February 6, 2005

A Review of Recent Changes to Minnesota's Joint and Several Liability Law, Kraus-Anderson Insurance Fall Seminar 2003, September 18, 2003

Law Firm Profitability, Minnesota Defense Lawyers Association Mid-Winter Conference, Minnesota, February 2003

Real Life Legal Ethics, The St. Paul Companies Professional and Technology Errors & Omissions Claim Units. Spring 2002 Ethics CLE, June 12, 2002

JIG 91.40 -  Aggravation Issues Pending at the Supreme Court, Minnesota Institute of Legal Education, April 2002

Overview of Legal Theories and Issues in Products Liability Cases, The St. Paul Companies Upper Midwest Claims Staff Education Seminar, October 1999

Lawyers Professional Liability Responsibility Board Opinions - How They Affect Your Practice, Minnesota Institute of Legal Education Seminar, June 1999

Premises Liability:  A Legal Update, Hennepin County Bar Association Landlord/Tenant Committee, March 1999

Avoiding Bankruptcy Malpractice:  Good Lawyering Is Not Always Enough, 1995 Bankruptcy Institute, Minnesota State Bar Association Continuing Legal Education, September 1995

Experiences with ADR Process, Minnesota State Bar Association Convention, Panel Speaker/CLE Presentation, June 1995

Medical Malpractice Mock Trial, Oxboro Clinics, April 1994

Evidence in Trial Practice in Minnesota, National Business Institute Continuing Legal Education Seminar, 1993

Transitions in Health Care, College of St. Catherine Alumni Association, 1989


Previous Employment


Indiana Department of Natural Resources, Avoca, Indiana
Fisheries Research Biologist:  1983 - 1984

Barry A. Vittor & Associates, Mobile, Alabama
Fisheries Biologist:  June - December 1982

Southern Cross Lumber Company, St. Louis, Missouri
Carpenter:  Summers 1979 and 1980