Baltimore Consumer Protection Law Blog | The Law Offices of E. David Hoskins, LLC

Fighting for Consumers

In Maryland, New York & The District of Columbia

I Keep Receiving Automated Calls From A Debt Collector, What Can I Do?

I Keep Receiving Automated Calls From A Debt Collector, What Can I Do?Debt doesn’t always happen because people are making irrational decisions with their money. Sometimes loss of job, major illness of yourself or a loved one and even drastic emergencies can suddenly place you in the inopportune position of accruing more debt than you…
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Debt Collectors Are Trying To Scare Me Into Paying More Than I Owe.

When you’ve neglected to pay a debt to your original creditor, it often gets sold to a debt buyer. These companies tend to use scare tactics in order to make you pay up, and one of the techniques they use is to shock you with a much higher amount due than you expected. Unfortunately, sometimes…
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When Can I Sue A Debt Collector?

The Drama of Debt Falling behind when it comes to paying off debt is no laughing matter and can often lead to complicated, inconvenient and extremely bothersome situations, including calls from debt collectors. While it is within a debt collector’s right to attempt to contact you and collect a debt, it’s important to realize there…
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I Paid My Credit Card Bill But I Am Still Being Charged And Harassed By Them.

Credit card debt can be overwhelming and is often due not to financial negligence or irresponsibility, but due to unexpected, emergency situations such as medical bills or the loss of a job. Either way, the mountain of accumulated debt can be unbearable at times, causing sleepless nights, terrible moments of worry, and even depression. As…
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The Wrong Car Was Repo’d, What Can I Do?

Falling behind on your automobile payments can cause serious stress in one’s life. As if the tension that mounts with every missed payment isn’t enough, the thought of having your car repossessed is a burden in and of itself. The idea that you might wake up one day only to find your car has been…
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I’m Being Sued By My Debt Collectors. What Are My Options?

It’s bad enough having debt collectors calling your house at the most frustrating times, but once that crosses over to you being sued by the debt collectors, you need to have the help of a professional and experienced attorney to make it through this terrifying time. Here are some tips to help get you through…
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How Far Is Too Far With Debt Collecting?

It is not uncommon to either personally receive or know someone who has been on the receiving end of a call from a debt collector. Let’s face it; if a person legitimately owes a debt, the collections agent is just doing their job, right? Well, that would be true unless that agent worked for a…
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I Have A Dispute On My Credit Report. What Can I Do?

Credit reports are important for many Americans. Besides the fact that many people depend on credit cards for important personal and business purchases, a person’s credit score can make it possible or impossible to purchase a car, home, and in some cases get a job or rent property. The Consumer Financial Protection Bureau reported in…
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Can I Block A Debt Collector’s Phone Number?

Will I Get In Trouble If I Do? Dealing with aggressive debt collectors is never a pleasant experience; in fact, it can be downright exhausting. A common tactic among debt collectors is to target those with consumer debt who have limited knowledge of their rights and play on their fears. As reported by the Consumer…
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A Debt Collection Call At My Work Caused My Boss To Fire Me.

There is only one reason a debt collector would call your boss at work, and that would be to make you feel so embarrassed and under such societal pressure that you would do anything to pay your debt. But, now you don’t have a job. So, how did this benefit the collection agency? It seems…
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