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

Fighting for Consumers

In Maryland, New York & The District of Columbia

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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What Consumers Need to Know About the Fair Credit Billing Act (FCBA)

Initially passed by the United States Congress in 1974, the Fair Credit Billing Act (FCBA) gives consumers very valuable legal rights as well as protections against unwarranted or inaccurate charges on their credit card bill. Here, our experienced consumer protection lawyers discuss four rights that all consumers have under the FCBA. You Have 60 Calendar…
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Federal Regulations Restrict the Tactics that Nonprofit Hospitals Can Use to Collect Debt

Many hospitals operate as nonprofit entities. In fact, according to the Annual Review of Public Health, 62 percent of all U.S. hospitals are set up as nonprofits. For a hospital, operating as a nonprofit offers some significant financial benefits, including major tax breaks. In recent years, the Internal Revenue Service (IRS) observed that despite these…
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Credit Report Errors are More Common Than You Might Think

The information on your credit report will affect your ability to get a credit card, an auto loan, a mortgage and maybe even a job. The last thing you want is to be penalized for a mistake made by one of the credit reporting agencies or the company furnishing the information to the credit reporting…
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Your Rights Under the Credit Repair Organizations Act (CROA)

The Credit Repair Organizations Act (CROA) was signed into law in 1996 by President Bill Clinton. The effect of the act was to amend the Consumer Credit Protection Act (CCPA) in order to add a section that cracks down on certain unfair business practices that were being used widely by credit repair organizations. Here, our…
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Disputing a Debt Reported by an Out-an-Business Creditor

If you learn of a debt that is on your credit report and you take the steps to dispute the debt, the credit bureau will seek information from the creditor regarding the accuracy of the information reported. What happens, however, if the company reporting the debt is no longer available to provide information? This commonly…
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Do You Open Too Many Store Credit Cards?

Everyone loves a good sale. When you reach the checkout counter with your intended purchases and the cashier offers you 10 percent savings, it can be tempting to take the opportunity. All too often, however, that savings requires applying for and using a store-issued credit card. Store cards can seem harmless, though they have the…
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Common Consumer Complaints

Consumers play an essential role in keeping the economy running. Unfortunately, because consumers may not have a thorough knowledge of the products they buy or the contracts they sign, many parties may try to take advantage of them in a variety of ways, often causing significant financial losses and stress. While federal laws in the…
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