Debt buyers have been criticized for aggressive and sometimes illegal collection practices; but, in Minnesota, at least, a new law will limit debt buyers’ ability to pursue and win judgments against consumers in the state. Jason Christiansen, a 37-year-old Marine Corps veteran, had $70,000 in student loans and credit card debt when he lost his job as a certified mechanic in 2008 and took another job for less pay. He says calls from debt collectors started almost immediately, even to his relatives and at work. “I would get thirty to eighty calls a day,” he said. “They were yelling F-bombs, pretty much any kind of swear word you can think of.” Consumer attorney Mark Vavreck offered Christiansen his services free of charge, believing that there had been a violation of federal law. Federal law forbids debt collectors from calling a borrower's relatives or job if the consumer has asked them not to and stipulates that all attorney fees to be paid by the collectors if federal law has been broken. Consumers may be able to negotiate with debt collectors, and should never ignore a collection notice.