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

Fighting for Consumers

In Maryland, New York & The District of Columbia

How Are Damages Established In A Tort Claim?

A tort is a wrongful act by one party that damages another party. The person, or entity, responsible for the tort can be held liable for the full extent of the damage that they have caused. Torts occur in a variety of forms, this includes property damage, personal injuries and even intangible losses. The goal…
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How Do I Avoid Sales Fraud And Predatory Sales Negotiators

Sadly, there are many sales frauds, scams, fake products, and other predatory means of taking your hard earned money. Many of these acts are illegal. The best thing you can do is to always remain on guard. However, if you have be victimized by a scam, you are not out of luck. An experienced consumer…
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What Are Wage Garnishment Laws?

The term wage garnishment refers to when a court enters a ruling that requires your employer to hold back a certain percentage of your paycheck. The held back money is then automatically sent to another party, to which you have debt obligations. Wages can be garnished for a variety of reasons. In your case it…
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Taxes And Identity Theft

Tax linked identity theft generally happens when someone steals the sensitive personal identifying information of another person and uses it to obtain a fraudulent tax refund. Identity theft is a serious national problem and increasingly thieves are targeting tax refunds. According to a 2014 National Taxpayer Advocate study, around 50,000 cases of tax affiliated identity…
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Forced Arbitration And Credit Card Debt Settlement

The use of forced arbitration clauses in agreements, such as credit card agreements, is increasingly popular. One of the worrying aspects of the rise of forced arbitration is that very few consumers actually know anything about it. Usually a forced arbitration clause is buried deep in the fine print. These clause eliminate much of the…
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The Surviving Spouse With A Reverse Mortgage

A reverse mortgage is a type of home equity loan that is only available to older homeowners. It can be a valuable financial tool for older homeowners with certain needs. Oftentimes a reverse mortgage is taken out by a married couple. Unfortunately, there will come a day when one spouse will pass away and that…
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Consumer Fraud at Its Worst

Consumers who owe money on delinquent accounts often receive continuous phone calls and letters from aggressive debt collectors. The creditor harassment causes added stress to consumers that are often overwhelmed by debt that they cannot pay. Sometimes debt collectors break the law by lying to debtors and using various scare tactics in order to collect…
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What to Do if Debt Collectors Are Harassing You

Debt collectors often contact many people frequently throughout the day. Their harassment can be frustrating and stressful for individuals who have fallen behind on their bills. It is important to know how to handle debt collectors and creditors when they call in order to protect your legal rights. You should do the following if a…
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New York City Housing Authority Plans to Start Robocalling

The New York City Housing Authority is a public housing agency that houses more than 400,000 low income people. It is the largest public housing agency in the country. Unfortunately, the housing authority has significant operating budget deficits. Residents in public housing units owe the New York City Housing Authority more than $50 million in…
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Maryland and Debt Collector Harassment Cases

When you owe a debt every phone call you receive can cause anxiety and stress. You never know who will contact you or what tactics they will use. Oftentimes debt collectors will use aggressive and deceptive strategies in order to recoup the alleged debt you owe. Facing debt collectors is almost always intimidating. This is…
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