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In Maryland, New York & The District of Columbia

Debt Collectors Cannot Use Deceptive Tactics – ‘Door Opener’ Text Messages are Prohibited

The Fair Debt Collection Practices Act (FDCPA) provides New York consumers with important legal protections against abusive debt collectors. The FDCPA puts many restrictions on what debt collectors can do when they are attempting to get payment for a debt. One thing that many people do not know is that debt collectors are prohibited from…
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How to Properly Disputes a Credit Billing Error

The Fair Credit Billing Act (FCBA) provides incredibly important legal protections to consumers across the country. If your credit card bill contains any inaccurate information or any fraudulent charges, you need to take action to get those transactions reversed or removed. You should not be stuck paying for fraud or for a mistake. In this…
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Four Tips to Prevent Identity Theft Over the Holiday Season

The holiday season is supposed to be a time for joy and relaxation. Unfortunately, for too many consumers, the holidays turn into a major headache. According to a report from the Insurance Information Institute (III), identity theft rises substantially during the holidays. Shoppers, both online and in stores, are at risk. Everyone needs to be…
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There is an Error on My Credit Report; Am I Entitled to Financial Compensation?

Unfortunately, credit report errors remain a common problem. According to data provided by the federal government, as many as one in every five American consumers has at least one serious mistake on their credit report. For Maryland and New York consumers, a credit report error could cause them major financial damage. If you find such…
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Six Types of Credit Transactions Covered by the Fair Credit Billing Act (FCBA)

The Fair Credit Billing Act (FCBA) is one of the most important federal consumer protection laws. Passed in the mid-1970s, the FCBA gives consumers legal tools to fight back against any fraudulent or incorrect charges they find on their credit card bill. Though, not every transaction or dispute is covered by the FCBA. Indeed, to…
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What You Need to Know About the Equifax Cyber Security Breach

There is a good chance that your sensitive personal data was compromised by the recent Equifax cyber security breach. According to reporting from the Washington Post, more than 143 million Americans were affected by this attack. Here, our dedicated consumer rights lawyers highlight the important things that you need to know about the Equifax scandal….
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Stages of a Debt Collection Lawsuit

If you have missed payments on a debt, it’s likely that you’ve received mail communications and phone calls from the creditor in an attempt to recover the amount you owe. In some cases, this will be the end of it: The matter will be reported on your credit history and the creditor will take a…
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What Are My Rights After a Car Repossession in Maryland?

Under Maryland law, the lender on a car loan may repossess your vehicle if you’re delinquent in making payments, even just one time. This is because the company that finances the purchase of your car keeps a security interest in it: When you don’t pay, the lender can take action to recover the property and…
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Five Steps to Tackling Credit Report Errors

The process of clearing out errors on your credit report is so daunting to many people that they’d rather live with the inaccuracies than try to correct them. However, you should remember that these marks will remain on your credit history unless you do something about them. You do have rights under the Fair Credit…
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Are You Being Sued By a Debt Collector? Here is Why You Need to Take Action

If you are being sued by a debt collector, one of the biggest mistakes you can make is to simply ignore the lawsuit hoping that it will go away on its own. You need to take action. Some consumers counter this proposition with the following argument: I cannot pay the debt anyway, so what difference…
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