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

Fighting for Consumers

In Maryland, New York & The District of Columbia

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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The Basics of Debt Buying

Owing a debt can be a stressful, frightening burden. Uncertainties around debt can affect all aspects of your life. One common feature of owed debt are the constant calls and contacts from those seeking payment, including debt buyers. If you owe a debt you will hear from a collections agency. Collections agencies and some law…
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Auto Dealer Fraud in New York

Buying a car by itself is stressful. Choosing the correct model and make, negotiating over the price. Tragically, some dealers may treat you unfairly, commit fraud, and break the law. You pay for the car you think you are getting, and you deserve to be given an honest deal. There is a wide range of…
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Rights Most Consumers Don’t Know They Have

With the free flow of information that is readily available at our fingertips, it is hard to imagine consumers being misled. Unfortunately, this happens every day as debt collectors, businesses, and other agents become more adapt at harassing, bullying, or deceiving the average American. In the spring of 1962, President John F. Kennedy spoke to…
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Some of The Most Deceitful Car Sales Tactics In Maryland

The purchase of a car can be a life-altering decision for many families. For many it offers them the mobility to pursue a new job or an education. Unfortunately, car salesmen know how important car ownership is to the average American and seek to take advantage of that fact. Car salesmen and car dealerships have…
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I love NY but not NY Debt Collectors

Debt collectors frighten and harass thousands of families in the region. In New York, especially, they have built up a reputation of aggressively pursuing individuals who owe money. Many of the tactics used by debt collectors to bully or intimidate their targets are completely illegal. Here are some of the most popular (and illegal) tactics…
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Easy Ways to Make Your Office Wheelchair Accessible

The Americans with Disabilities Act is the bedrock law in place to ensure individuals with physical or mental disabilities are treated equally under the law and by the public. One of the main challenges offices and businesses face is ensuring their space is accessible to wheelchair bound parties. Some of impediments and challenges faced by…
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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 thought you would. Now add the frustration of creditors blowing up your…
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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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