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

Fighting for Consumers

In Maryland, New York & The District of Columbia

Why You Should Stay Away from Advance Fee Loans

Many consumers have been in the position where they need money but do not get paid for another few days. There are commercials and advertisements promising they will give you credit, no strings attached. Fraudulent lenders prey on the consumer who needs a short term loan by offering what is called an ‘advance fee’ loan….
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Identity Theft in Healthcare: How to Avoid It

Breach of healthcare data has been an overwhelming problem that has plagued the American healthcare system today. Without a solution as to how to secure these systems, over 92 million records were breached in the start of 2015. While historically the top reason for the breach of patient data had been employee negligence, i.e. losing…
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Child Identity Theft

As technology advances and companies move to electronic filing, consumers are maintaining more and more personal information and data online. While this has made life more convenient, it has also left many at risk for breach of that data and information. Adults are consistently warned when opening credit cards, applying for loans, registering for healthcare,…
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Proposed Credit Card Contract Regulations All Consumers Need to Know About

On May 5, the Consumer Financial Protection Bureau proposed a ruling that would greatly impact both consumers’ and financial companies’ legal rights. In short, the proposal lifts the restrictions financial companies have imposed through mandatory pre-dispute arbitration measures in their contracts, which in turn, increases the rights of consumers by being able to sue through…
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Maryland For-profit Colleges: Really Worth the Price?

The Problem in Maryland As many Americans know, college can be incredibly expensive. While costs have risen for both public and private institutions, a report from the Maryland Consumer Rights Coalition found that the costs associated with a degree from a for-profit school in Maryland nearly double that of public universities in the same state….
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How Retirement Investing is About to Change

Upon preparing for retirement many adults seek the assistance of financial professionals to help them invest their money well enough to sustain their lifestyle and profit off of what they have. The majority of people would like to think that financial investors have their clients’ best interest in mind, however, the new rules released by…
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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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