Debt collection lawsuits and the business of debt collection has changed drastically in the last few decades. In just 20 years, the number of debt collection lawsuits has more than doubled across the country going from fewer than 1.7 million in 1993 up to a whopping 4 million 20 years later. This number has only…
The lawyers at the Holland Law Firm often help victims of identity theft. We assist with filing disputes with the Credit Reporting Agencies, with contacting banks and lenders to remove fraudulent accounts, and we represent people who were wrongfully sued on accounts that they never opened. When appropriate, we sue banks, debt collectors, and credit…
Medical debt is a rising issue in this country thanks to rising healthcare costs & few options for healthcare coverage. One survey found that over 79 million Americans have medical debt or problems with medical bills. Broken bones. Heart attack. Coronavirus. These are scary medical conditions that can be very expensive and lead to medical…
Recently a lawyer contacted me and asked for a good introduction to debt defense and illegal debt collection practices. The person was especially interested in the disclaimers of accuracy that exist in the forward flow agreements between banks and debt buyers. With much experience in illegal debt collection practices, I was able to cultivate quite…
MARYLAND GOVERNOR BANS GARNISHMENT OF CARES ACT MONEY On April 29, 2020 Governor Larry Hogan signed an Executive Order, effective immediately, prohibiting garnishment of CARES Act money. It states that CARES Act Recover Rebates “shall not be subject to Garnishment.” The only exception is for child support. The Order, titled “PROHIBITING GARNISHMENT OF CARES ACT…
Many people make the mistake of not providing enough information or enough documentation. Here is a list of the top five mistakes we see. Read more
“Like it or not, there are still de facto debtors’ prisons for collection of all kinds of debts, including medical debt, in the United States today.” -Peter Holland By Casey Wood Santora On December 12, 2019 Peter Holland spoke with Dr. Travis Stork from the nationally syndicated talk show, “The Doctors.” The topic: medical debt…
Frequently in student loan and other collections cases, a person gets sued in Maryland, but the contract specifies that the law of a state other than Maryland governs. For example, it might say “the law of New Jersey applies to this contract” or words to that effect. The question then arises of which state’s student…
In 2017, the three largest Credit Reporting Agencies – Experian, Equifax and Transunion implemented some changes to what “public records” they report, according to a Consumer Data Industry Association (CDIA) press release. “Public Records” means information obtained from courts and other public entities. This includes bankruptcies, tax liens and judgments. Read more
We have successfully defended many cases where the debt buyer plaintiff alleged that the statute of limitations was 12 years (not 3 years) because the contract was “under seal.” We have prevailed in arguing that the statute of limitations is 3 years not 12 years in those cases where the contract did not meet the…