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Offering high-quality, cost-effective representation to consumers throughout Maryland
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...
One of the biggest issues tenants face when moving is getting their security deposit back. Some Maryland tenants have to pay up to two months’ worth of rent for their security deposit. For many tenants, just one month of rent is a lot of money that they want back. ...
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...
When moving out of a rental, many tenants are surprised to see unexpected deductions from their security deposits. Some are fair, but others may not be. Knowing your rights can help you protect your money and avoid unfair charges. Maryland law is pretty clear on this....
Breaking a lease can be complicated. Tenants might find themselves in situations where they need to move before the lease ends, but it's important to understand the legal conditions surrounding this decision. If you're thinking about breaking your lease, it's...
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...