Consumers drive the economy. The money we pay for every day purchases are the fuel that keeps our country's financial engine running. Unfortunately, there are certain corporations that seek to cheat consumers, cut corners and charge improper fees.
When that happens, we all lose.
We have experience dealing with the dishonest corporations that seek to rip off consumers through bad deals, fraud and impermissible debt collection actions. The corporations take different forms, including lenders, debt collectors and debt buyers, car dealers, mortgage services, landlords and condominium associations. We are ready to take them on.
Debt collectors can engage in a number of illegal and overly-aggressive actions that significantly impact your quality of life. We have experience in defending consumers against debt collection suits and bringing claims against the debt collectors utilizing Maryland and federal law regarding debt collection practices.
Contact us if you are:
We will be glad to confidentially review your case.
When you buy a new or used car, you have rights afforded to you by law. If the car breaks down and you are facing mounting bills for repairs, there may be warranties that provide coverage or, if a new car, it may be a "lemon."
Car dealers may attempt to brush you off and get you to pay for repairs that should be covered or they may be covering up for known defects in the vehicle or the title.
Under the Maryland Lemon Law, a new car must meet certain criteria before you are eligible for its protection. The Lemon Law covers new cars that have been owned for less than 24 months or 18,000 miles, whichever comes first. The car owner must also show that the vehicle is significantly defective (repaired four or more times for the same issue or out of service for 30 or more days).
If your vehicle, whether a passenger car, light-duty truck, motorcycle or multipurpose vehicle, meet these criteria, you may be entitled to a refund (minus a reasonable amount for use of the vehicle).
New and used vehicles may also be subject to the Magnuson-Moss Warranty-Federal Trade Commission Improvement Act ("Mag-Moss"). It applies to products sold with warranties (promises as to repairs and how a product is supposed to work) and is designed to provide consumers with clarity as to the coverage and a mechanism to enforce the warranties.
Please contact us to discuss the issues you are experiencing with your vehicle.
Mortgages can be sold from one bank to another without your knowledge. Different corporations are setup to "service" your mortgage - collect your payments, file lawsuits, foreclose, etc.
But the banks and the mortgage service corporations need to follow the rules -- they must be able to prove that they are owed money, that they actually have the right to sue or foreclose and that the amount they say you owe is correct.
If the bank or your servicer is not following the rules, give us a call.
When Landlords take advantage of their tenants, our team can help you stand up for your rights. Each residential tenant in Maryland must be provided with a dwelling that is habitable. That means you must have the basic necessities – heat, running drinkable water, etc.
We have seen landlords violate basic human needs all the while demanding rent from tenants.
If the walls are crumbling, water is leaking into the living space or you are being exposed to mold or other toxins, we would like to help.
Landlords are also known to keep security deposits without justification and to charge tenants improper late fees.
Please contact us if your landlord:
A pattern we have seen many times over is that water leaks into condominium units causing damage and mold growth. This can result in your home being devalued and potentially being declared uninhabitable due to health concerns.
Condominium Associations in Maryland must maintain, repair and replace the common elements of the condominium. In many cases, the exterior of the building is considered part of the common elements. If the roof and outside of the building are not maintained and repaired regularly, the "building envelope" can fail. When the exterior of the building is no longer water tight, the unit owners can suffer serious consequences.
Condominium Associations also collect the assessments (monthly and special condo payments) for the community. The association can also take certain actions against unit owners for failing to pay their monthly or special assessments. When they do so, they must follow the law.
If you suspect your association is failing to maintain the building(s), breaking the law or overstepping its authority, let us know.