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Offering high-quality, cost-effective representation to consumers throughout Maryland
The Fair Credit Reporting Act (FCRA) helps protect consumers by ensuring the accuracy, fairness, and privacy of their personal information in credit reports. If you live in Maryland and suspect inaccuracies on your credit report, understanding FCRA violations can help...
Holding debt can be stressful, especially for anyone struggling to pay. Although collectors must follow a clear set of rules and regulations, they sometimes violate them regardless. Those who engage in illegal debt collection practices must change tactics or face the...
When you settle a debt, you expect the phone calls and letters from debt collectors to stop. Unfortunately, some collectors might continue to harass you. There are several steps you can take if you find yourself in this frustrating situation. Understand your rights...
Discovering errors on your credit report can be unsettling, especially when you know how much these reports influence your financial opportunities. Credit reports affect your ability to borrow money, secure housing and sometimes even get a job. It is important to...
When you take out a payday loan, you are borrowing money against your next paycheck. These loans typically have high interest rates and short repayment terms, which can make them difficult to repay on time. If you fail to repay a payday loan, you may face serious...
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....
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...
Reporting rental payment information to credit bureaus has drawbacks, especially for lower income renters. The National Consumer Law Center has published a paper on the issues presented when rental payment information is automatically reported to the credit bureaus.
These days, it is common to find many stores with online shops where you can easily buy items online. Fortunately, the Fair Credit Billing Act protects consumers who use their credit cards online, even if they use them in stores outside of the state. This includes...
You most likely appreciate the systems that allow you to select and pay for items quickly online. If you visit a website and use your credit card, the Fair Credit Billing Act protects you even when you make purchases from merchants located outside of Maryland. Under...