Purchasing a new car is an exciting venture. Unfortunately, some people discover a recently acquired vehicle may be a lemon. Recognizing the signs of a lemon as early as possible allows you to explore appropriate solutions. Frequent unresolved mechanical problems Your...
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Consumer Rights
4 popular myths concerning debt collection
Debt collection is a topic around which there are many misperceptions. Understanding the reality can reduce worry in individuals facing debt-related challenges. Debunking prevalent debt collection misunderstandings should put those who owe money in the right frame of...
Common types of deceptive business practices
Consumers may be vulnerable to deceptive practices of unscrupulous businesses. For this reason, federal and state protections exist to shield shoppers from dishonest companies. Recognizing fraudulent tactics lets you protect your interests and make informed choices....
Do I have rights after a vehicle repossession?
According to Yahoo, the United States has had an increase of 20.4% in auto repossessions in 2023. Experiencing a vehicle repossession can be a stressful and overwhelming situation. In Maryland, there are specific rules and regulations in place that outline your rights...
Lemon law in Maryland
In Maryland, approximately 2% of new vehicles sold each year turn out to be "lemons," according to recent statistics from the Attorney General's Office. This figure highlights the importance of understanding lemon law, a safeguard for consumers who unknowingly...
How to identify common car dealer scams
Buying a new car is often stressful, but it becomes even more so when dealerships behave fraudulently. Accordingly, consumers should be aware of common scams that can accompany the sales process. The following schemes can cost you a significant amount of money and...
Can you prevent vehicle repossession?
Facing potential repossession of your vehicle can cause frustration and uncertainty. You most likely rely on your car to help you maintain critical obligations in your life. While you cannot know for certain what will happen, there are things you can do to mitigate...
When may I remove information from my credit report?
Maryland’s statutes allow you to request and review your three consumer credit reports once per year. The Maryland Financial Regulations page notes you may also file a complaint when attempting to resolve disputes related to information on your credit reports. As a...
What are some signs of creditor harassment?
If you owe an entity money and do not pay, that company may send your account to collections. At this point, a debt collector will likely try to contact you to obtain money to cover what you owe. According to the Consumer Financial Protection Bureau, a debt collector...
Federal government warns lenders against unlawful repossessions
The Consumer Financial Protection Bureau issued a warning to auto lenders to avoid repossessing vehicles before they are legally allowed to. A representative for the consumer watchdog said that the organization has only seen a small increase in repossessions but wants...