Facing a lawsuit from a debt collector can be challenging, but understanding your options and taking the right steps can help you navigate the process effectively. Acting promptly and knowing your legal rights are essential for protecting yourself and achieving the...
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Consumer Rights
Should you join a class action for credit reporting errors?
Class action lawsuits can be a way to address widespread credit reporting errors, but it’s important to weigh the potential benefits and drawbacks before participating. Benefits of joining a class action lawsuit One key benefit of joining a class action lawsuit is the...
How can you dispute a debt that you believe is not yours?
Receiving a notice about a debt you don’t recognize can be frustrating and stressful. Fortunately, Maryland state law and federal protections provide steps you can take to dispute a debt that you believe is not yours. Understand your rights under the law Under the...
How does right to repair legislation impact consumers?
The 'right to repair' movement is gaining momentum across the world, with consumers demanding the ability to repair their own products. From smartphones to tractors, people want manufacturers to provide tools, parts, and information necessary for repairs. This...
Should you verify a debt even if collectors keep calling?
If debt collectors keep calling you, it can be overwhelming. You may wonder if you should verify the debt, especially if the calls are frequent. The answer is yes—verifying the debt is important, no matter how often they call. It is helpful to understand why taking...
Dealing with fraudulent warranty claims
Dealing with a fraudulent warranty claim can be frustrating. Luckily, laws protect consumers by ensuring companies honor warranties and don’t mislead buyers about the coverage. Whether the issue is with home appliances, electronics, or other important products,...
Do malicious creditors make intentional credit reporting errors?
Credit reporting errors can cause significant damage to a person's financial well-being. In Maryland, creditors must follow strict guidelines under both federal and state laws when reporting information to credit bureaus. When creditors intentionally make false...
How can consumers stop AI-driven debt collection harassment?
Debt collection agencies increasingly use AI and automated systems to contact consumers, leading to an increase in potential harassment. Consumers can take steps to protect themselves from these tactics. Understand your rights under the FDCPA The Fair Debt Collection...
Stopping debt collection harassment with the TCPA
The Telephone Consumer Protection Act (TCPA) is a federal law that protects consumers from unwanted and intrusive phone calls. This includes those from debt collectors. It is important to understand how the TCPA enables consumers to halt harassment from debt...
Understanding consumer rights with zombie debt
Zombie debt, or old debt that collectors resurrect, can confuse and stress many consumers. Knowing your rights in Maryland can help you navigate these situations effectively. What is zombie debt? Zombie debt refers to old debts that creditors charged off or settled...