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’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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A Debt Collector Is Threatening Me. What Can I Do?

Imagine this, you have just sat down to dinner after a long, hard day at work and the phone rings. You begrudgingly answer it only to have someone on the other end of the line start out nice enough asking about receiving payment on some debt. When you start asking questions, the collector turns into…
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How Long Will My Credit Report Take to Change After Paying off the Debt?

http://www.hoskinslaw.com/long-will-credit-report-take-change-paying-off-debt/?It’s a monumental day. You’ve scrimped, you’ve saved, and you’ve paid off that nagging debt. Whether it was a school loan, car loan or credit card debt, you’re excited to move forward in financial prosperity. This includes he payoff your expecting when it comes to your credit score. When Will My Credit Score Go Up?…
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How to Stop Debt Collection Calls After I’ve Paid Them

Calls from debt collectors can be a nightmare and at the least extremely annoying. This is especially the case if you’ve actually paid the debt. Below are several ways to handle incessant calls from collectors and even turn the tables so you’re in control of the conversation. Do Not Wait for Them to Call You…
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A Small Dealer Sold Me a Stolen Car, What Now?

Bill bought a used car from a small dealership. A few days later the transmission blew. He took it to his local mechanic willing to draw paperwork stating the dealership had to know the transmission was broken before it went bad. In response to the affidavit, the dealership claimed to have a mechanic who inspected…
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What Does The Law Say About Maryland Credit Card Debt?

On behalf of The Law Offices of E. David Hoskins, LLC posted on Wednesday, November 5, 2014. As many Maryland residents are aware, credit card debt played a significant role during the recent recession. Many consumers do not realize that exceeding their debt on the credit card can have severe repercussions. Using money from one credit card to pay off…
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