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Offering high-quality, cost-effective representation to consumers throughout Maryland
Collection calls are frustrating and sometimes downright frightening. Collection companies call people at home and at work. They may threaten to take legal action against individuals. They can attempt to garnish wages or place liens against property. Most people...
Dealing with debt is stressful enough without facing harassment or unfair treatment from collectors. Unfortunately, some collectors cross the line, using threats, repeated calls or misleading information to pressure you. These actions can create emotional and...
When a debt collector contacts you, any conversation that you may have with them can be stressful and emotional. If you feel you are being treated unfairly, your first instinct might be to lash out. While frustration is understandable, responding with anger can hurt...
If you believe someone has misused your personal information to open accounts or obtain loans, placing an identity theft alert on your credit report offers important safeguards. It instructs lenders to take additional steps to verify your identity before approving new...
Dealing with debt collectors can be stressful, especially when they continuously contact you about a debt. However, as a consumer, you have the right to request that debt collectors stop contacting you. This is an important step in maintaining your peace of mind, and...
Consumers dealing with debt collection are already under stress, and unfortunately, some debt collectors exploit that vulnerability. Not all collectors operate lawfully. In fact, some use pressure, fear or deception to force payment. Recognizing unethical behavior is...
Receiving any communication from a debt collector can induce immediate stress, especially if you don’t know how to handle it. If you’re in this position, the first thing you need to do is determine if the debt is accurate. Debt validation is a way for you to require...
You check your phone, and there’s a voicemail from a debt collector, but the name they are asking for isn’t yours or the amount sounds off. Before panic sets in or you start trying to explain, pause. Getting contacted about a debt you don’t recognize is more common...
When a person dies, their debts don’t just go away. Instead, creditors can turn to the estate of the decedent to collect the debts. Sometimes, there isn’t enough to collect everything they’re due. When that happens, the unscrupulous debt collectors may try to turn to...
Recording phone calls with debt collectors may help protect your rights, but it is important to understand Maryland's laws before doing so. Maryland is a two-party consent state. This means that both parties must agree to the recording. If you record a phone call...