Debtors usually experience many calls from creditors attempting to collect payments from them. Debtors often think collectors can do what they want, but the Fair Debt Collection Practices Act protects consumers from unfair and abusive collection tactics. Knowing what...
Offering high-quality, cost-effective representation to consumers throughout Maryland
Debt Collection
Limitations on debt collection practices
Most people think debt collectors in Maryland can do anything they want to pursue payment, which makes debtors afraid to answer the phone. Collectors may attempt to collect debts, but the Fair Debt Collection Practices Act limits how they can contact debtors. What...
What a debt collector cannot do
Some debt collectors in Maryland do not get looked upon favorably because of how they attempt to collect debts. The Fair Debt Collection Practices Act prohibits debt collectors from being abusive toward consumers. Debt collectors cannot use the following tactics....
Consumer Financial Protection Bureau sues Midland Funding and Others
Yesterday, the Consumer Financial Protection Bureau (CFPB) sued a group of debt buyers, including Midland Funding, for violating a 2015 consent order with the CFPB and for violating the Consumer Financial Protection Act and Fair Debt Collection Practices Act. You can...
Court Denies Motion to Compel Arbitration in Debt Collection Case
The U.S. District Court of Maryland recently denied a debt collector’s motion to compel arbitration in a putative class action brought by Jane Santoni of Santoni, Vocci & Ortega, LLC on behalf of Edward Skinner, III. Mr. Skinner leased consumer goods from a...
Maryland Passes New Law to Protect Mobile Home Purchasers and Owners
This past session, Maryland legislators passed a bill that will offer greater protections to mobile home purchasers and owners. The law, which goes into effect October 1, 2020, will prohibit mobile home retailers from steering purchasers to certain lenders or products...
Understanding Affidavit Judgment in Baltimore City
Someone comes to your house and hands you a lawsuit telling you that you have been sued in the District Court for Baltimore City for a debt. The person suing you has signed the bottom of the first page of the Complaint underneath an “Application and Affidavit in...
CFPB’s Report on Debt Collection
Yesterday, the Consumer Financial Protection Bureau released a report on debt collection after conducting a survey among consumers. You can read the entire report here. We were surprised by the fact that more than half of consumers who reported being contacted about a...