•
Offering high-quality, cost-effective representation to consumers throughout Maryland
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...
Scammers constantly look for new ways to steal banking information. They use tricks to get people to share their account details, passwords, or other sensitive data. Once they have this information, they can drain accounts, make fraudulent purchases, or even open new...
Debt collection can be stressful, and many consumers struggle to separate fact from fiction. Misinformation about debt collection laws can lead to unnecessary fear and confusion. Understanding the truth behind common myths helps consumers protect their rights and make...
False advertising tricks people and makes businesses compete unfairly. Some companies lie about their products, hide important details, or change prices without telling customers. Knowing how to spot these tricks and taking action can help stop them. Signs of false...
Your financial data isn’t just in the hands of big credit bureaus—it’s also collected by specialty reporting companies tracking everything from rental history to casino transactions. The Consumer Financial Protection Bureau (CFPB) released its annual list of consumer...
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...
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...