Stop Collection Call Harassment in Maryland

Maryland Debt Collection Harassment Laws

Maryland state law outlines fair debt collection guidelines in their commercial law code, which expands the protections offered by the Fair Debt Collection Practices Act (FDCPA) to prohibit unfair practices by collectors but also by the creditors themselves. In Maryland, third-party debt collectors must be licensed and regulated by the state.

The FDCPA and Maryland Residents

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 8:00 am and/or after 9:00 pm.
• 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.

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