Stop Collection Calls and Debt Harassment in Maryland
CreditLaw.com provides legal services to consumers in Pennsylvania, New Jersey, Massachusetts, Maryland, Delaware, New York, Ohio, Connecticut, Tennessee, Texas, Arkansas, Oklahoma, Colorado, California, and New Hampshire. If a particular debt collector is located in a state where we practice, we can sometimes help consumers in other states as well. Collections agencies have to follow federal laws when it comes to collection calls, and in many cases there are additional state laws that expand on these regulations. To avoid any confusion, we broke down fair debt collection laws by state. Here, we talk about Maryland.
The federal law that regulates debt collectors is the Fair Debt Collection Practices Act (FDCPA), which was passed in 1978 in an effort to protect Americans from deceptive and abusive tactics. The actions the law prohibits include:
- Threats of violence or verbal intimidation in an effort to collect debts
- Phone calls before 8 a.m. and/or after 9 p.m.
- Contacting a debtor at work after being informed that the employer does not allow personal phone calls
- Any form of contact with debtors that have expressed they have an attorney to represent them
These federal laws apply to Maryland residents, but each state has its own regulations in addition to the FDCPA. Maryland state law clearly outlines fair debt collection guidelines in their commercial law code, which offers residents greater protection than in other states. The thing that sets Maryland apart from other states when it comes to fair collection practices is that creditors must follow the same restrictions as debt collectors.
Because every state is different, it is important to hire an experienced attorney who can help you stop collection calls and end debt harassment once and for all. A lawyer who is familiar with the nuances of Maryland state law can help you get your dignity and peace of mind back during such a financially and emotionally difficult time.