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    July 24, 2020 Medical Debt Body Attachment Warrants

    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…

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    May 18, 2020 Debt Defense and Illegal Debt Collection Practices

    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…

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    May 1, 2020 They Can’t Garnish Your CARES Act Money in Maryland

    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…

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    April 15, 2020 Making a Credit Report Dispute? Avoid These 5 Mistakes

    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

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    December 24, 2019 Should Medical Debt Be Treated Differently Than Other Debt?

    “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…

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    December 21, 2019 The Law of the Forum and Maryland Student Loan Statute of Limitations

    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…

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    August 29, 2019 Court Judgments and Credit Reports

    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

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    August 8, 2019 Statute of Limitations and Contract Under Seal in Maryland

    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…

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    August 8, 2019 Motions to Vacate a Judgment in Maryland

    We have handled several cases in which we successfully got judgments vacated because the Defendant was never served. This is not an uncommon problem, because the phenomenon of “sewer service” is alive and well. It is not unusual that a person had no idea there was a judgment against them, and that the first time…

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    August 8, 2019 Maryland Statute of Limitations

    At Holland Law, we have defended many lawsuits that were filed after the expiration of the Maryland statute of limitations. There are a few different statutes of limitation which may apply to a given case in Maryland whether that’s a debt buyer case, a loan case, or another consumer rights case. Maryland Statute of Limitations:…

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