Kojetin v. C.U. Recovery, Inc., 1999 U.S. Dist. LEXIS 1745 (D. Minn. Feb. 17, 1999), adpoted by 1999 U.S. Dist. LEXIS 10930 (D. Minn. Mar. 29, 1999), aff’d, 212 F.3d 1318 (8th Cir. 2000).