Honors and Awards:

• Selected as "Super Lawyer" by Minnesota Journal of Law & Politics, 1998-present, and "Top Lawyer" by MPLS.ST.PAUL Magazine, 1998-present, and "Super Lawyer" by Twin Cities Business Monthly, 1998 - Present, Selected as a "Best Personal Injury Attorney" by Minnesota Journal of Law & Politics, 2001, (selection limited to the top 200 plaintiffs and defense personal injury attorneys in Minnesota), ACA International, Inc. Red Coat Award Winner, 2002, ACA International, Inc. Foundation Fellow Award, 2002

Special Licenses/Certifications:

• Minnesota State Bar Association Board Certified Civil Trial Specialist since January 1, 2000

Bar/Professional Activity:

• Minnesota Supreme Court, 1987, Missouri Supreme Court, 2001, Wisconsin Supreme Court, 2001, United States Supreme Court, 1996, U.S. Court of Appeals, Seventh Circuit, 2007, U.S. Court of Appeals, Eighth Circuit, 1992, Federal District Courts U.S. District Court - District of Minnesota, 1988, U.S. District Court - Western District of Wisconsin, 2001, U.S. District Court - Eastern 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 - Western District of Arkansas, 2001, U.S. District Court - Eastern District of Arkansas, 2001, U.S. District Court - Western District of Missouri, 2004, U.S. District Court - District of Kansas, 2007, The Federal Bar Association (FBA), 1999 - Present, American Bar Association, 1987 - Present, Litigation Section, Tort and Insurance Practice Section,  Minnesota Supreme Court Pro Se Implementation Committee, Frivolous Litigation Subcommittee, 1997, Minnesota State Bar Association, Civil Trial Certification Board, 2008 - Present, 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, 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, International Association of Defense Counsel (IADC), 2003 - Present, Association of Defense Trial Attorneys (ADTA), 2003 - Present, Maritime Law Association, 1997 - Present, ACA International, Inc., 1996 - Present, Certified Instructor, Board of Directors, 2002 - 2004, Internet & Check Services Program, 2004 - Present, Voting and Election Procedures Task Force, 2003,  FCRA Task Force, 2003, Foundation Golf Tournament Committee, 2002 - Present, ACPAC Steering Committee, 2002 - Present, Members' Attorney Program, Board of Directors, 1996 - 1998, Membership Committee, 2002 - 2004, CNR Committee, 2009, AIG Claim Advisory Panel, 1998 - 2000, Northland/Gulf Insurance Company Regional Defense Panel, 2000 - 2003, The Travelers Insurance Companies Regional Defense Panel, 2004 - Present, Arbitrator, Better Business Bureau, 1987 - 2002, Private Pilot (non-current)

Scholarly Lectures and Writings:

• Presentations: A. Fair Debt Collection Practices Act Presentations: 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. Attorney Panel, Minnesota Association of Collectors Annual Fall Conference, Brainerd,Minnesota, September 8, 2011. 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. 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 ProgramCore PPMS CompetenciesFederal and State Law ComplianceOther Corporate Compliance IssuesCompliance Q&AACA 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 ProgramCore PPMS CompetenciesFederal and State Law ComplianceOther Corporate Compliance IssuesCompliance Q&AACA 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. Professional Practices Management System (PPMS) Instructor:Why Comply - Benefits of a Compliance ProgramCore PPMS CompetenciesFederal and State Law ComplianceOther Corporate Compliance IssuesCompliance Q&AACA 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. Fair 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. B. 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. C. 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. D. 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.  E. 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. F. Other Presentations: 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.    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: 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 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.

Verdicts and Settlements:

• U.S. District Court, 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). Herrmann v. ExpressJet Airlines, Inc., No. 08-977, 2009 WL 1244052 (D. Minn. May 5, 2009). Wilhelm v. Credico, Inc., No. 1:05-cv-002, 2008 WL 5156660 (D.N.D. Dec. 2, 2008). Riermersma v. Messerli & Kramer, P.A., 2008 WL 2390729 (D. Minn. June 9, 2008). 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). Int'l Mktg. Res., Inc. v. Maquilaplex, LLC, No. 02-3459, 2002 WL 31689436 (D. Minn. Nov. 27, 2002). 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). Fletcher v. Zellmer, 909 F. Supp. 678 (D. Minn. 1995). Sower v. Van Ru Fin. Servs., Inc., No. 3-94-1591, 1995 WL 870853 (D. Minn. June 28, 1995). 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). U.S. Court of Appeals for the Eighth Circuit, Edeh v. Midland Credit Management, Inc., 413 Fed. App’x 925 (C.A.8 (8th Cir. 2011). Wilhelm v. Credico, Inc., 519 F.3d 416 (8th Cir. 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). Rahr Malting Co. v. Climatic Control Co., Inc., 150 F.3d 835 (8th Cir. 1998). Fletcher v. Zellmer, 105 F.3d 662 (8th Cir. 1997).   Burns v. Aon Corp., 83 F.3d 425 (8th Cir. 1996). Neslund v. Stroeh, 12 F.3d 1103 (8th Cir. 1993). Minnesota Supreme Court, Savig v. First National Bank of Omaha, 781 N.W.2d 335 (Minn. 2010). Minnesota Court of Appeals, State ex rel. Swanson v. Messerli and Kramer, P.A., No. A08-0415, A08-0551, 2009 WL 1046869 (Minn.Ct. App. Apr. 21, 2009). Little ex rel. R.D.C. v. Parents in Cmty. Action, No. A05-1336, 2006 WL 1148107 (Minn. Ct. App. May 2, 2006). Schur v. Langeslay, No. C1-01-1379, 2002 WL 378139 (Minn. Ct. App. Mar. 12, 2002). Boyd v. Mid-Minn. Concrete/Excavating, Inc., 1995 WL 254366 (Minn. Ct. App. May 2, 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). Lumbermen's Underwriting Alliance v. Tifco, Inc., 465 N.W.2d 580 (Minn. Ct. App. 1991). Rennick v. Minnegasco, No. C5-90-917, 1990 WL 178499 (Minn. Ct. App. Nov. 20, 1990). Hjellming v. Larsen, C3-88-1998, 1989 WL 5603 (Minn. Ct. App. Jan. 31, 1989).

Educational Background:

• 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