A breach of peace repossession occurs when a lender repossesses a vehicle in a manner that violates the borrower's peace or privacy. This situation can happen if the lender uses force, threats or intimidation. According to the Maryland Department of Labor, state law...
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Debt Collection
Understanding the statute of limitations on debt collection
Dealing with debts can be a challenging aspect of adult life. One factor that often comes into play is the statute of limitations on debt collection. What is the statute of limitations? Several laws, including the Fair Debt Collection Practices Act, govern debt...
Dealing with debt collectors creates an emotional toll
Many people who experience financial difficulties plan to pay their debts, but life often throws a wrench into these plans. Lenders may turn people who are unable to make required payments over to collection services to recover their money. Debt collectors can impact...
How do some collection agencies harass senior citizens?
Collection agencies, in their pursuit of unpaid debts, often target senior citizens in Maryland. The state does have laws to protect consumers from abusive debt-collection practices. However, despite these regulations, some collection agencies may resort to harassing...
Debt collection harassment tactics and how to defend yourself
Dealing with debt collectors in Maryland can be stressful. While collectors have the right to collect money owed, consumers also have rights that protect them from harassment. Debt collectors sometimes employ various shady tactics to recover debts. Maryland residents...
Do you have an obligation to answer debt collector calls?
When the phone rings it can stir feelings of apprehension, especially if you think it is your debt collector calling. The U.S. Bureau of Labor Statistics estimates that there are close to 200,000 debt collection agents working in the U.S. as of 2021. Many wonder if...
How long could debt collectors attempt to collect in Maryland?
The type of debts you carry may influence how many years debt collectors could continue to pursue unpaid balances. As noted on the Maryland General Assembly website, plaintiffs may pursue civil lawsuits for debt collection as long as they file within the appropriate...
Understanding harassment by debt collectors in Maryland
Living with debt is a reality for many Maryland residents. When these debts become due, debt collectors might come into the picture. However, there are certain behaviors and actions by debt collectors that are not just persistent but cross over into harassment. This...
How can you deal with debt collectors?
No one wants to go toe-to-toe with a debt collector. Even the most pleasant of them still have an extremely unpleasant job to carry out. Many are not exactly easy to deal with, either. Knowing how to handle them can thus go a long way. Do research on the debt Bankrate...
Legal and illegal debt collections actions
You probably expected that you would have the money to pay your debts when they were due, but sometimes, life throws unexpected curveballs that can prevent you from staying current. In these cases, you may encounter debt collectors. The Fair Debt Collection Practices...