LOKEN, Circuit Judge.
George Hemmingsen opened a Discover Bank credit card account in September 2002 and married Heather Hemmingsen one month later (for clarity, we will refer to the couple as George and Ms. Hemmingsen). Discover wrote off the account in April 2007 and retained Messerli & Kramer (M & K), a Minnesota law firm, to recover the unpaid balance. M & K commenced a collection action against George and Ms. Hemmingsen in state court. The state court...
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