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In Maryland, New York & The District of Columbia

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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Was Your Credit Report Dispute Denied? Here is What You Need to Know

There are few things more frustrating than being unfairly penalized by having inaccurate adverse information included on your credit report. A mistake like that can do you serious financial harm. It is even worse when you take action to fix the problem, only to have your credit report dispute denied by one of the major…
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The Big Three Credit Reporting Agencies are Easing Policies on Medical Debt

Did you know that medical bills are among the leading causes of the debt problem in the United States? CNBC reports that medical bills are the single biggest reason that Americans file for bankruptcy protection. Soon, some helpful relief is coming for consumers facing major medical debt. According to reporting from National Public Radio (NPR),…
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Five Signs You are Dealing With an Abusive Debt Collector

No one wants to be harassed by an overly aggressive debt collector. Fortunately, under the Fair Debt Collections Practices Act (FDCPA), consumers have important legal protections against unscrupulous debt collection firms. Indeed, this federal law outlines exactly what a debt collector can and cannot do when they are attempting to recover a debt. When a…
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Notice a Problem On Your Credit Reports? Four Common Mistakes You Need to Avoid

Your credit report is important, and adverse information on it can have substantial financial ramifications. As such, you need to make sure that it is completely accurate. You do not want to be unfairly penalized for someone else’s mistake. If you noticed an error on your report, you need to take action today. That being…
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