With consumer law, the Fair Debt Collection Practices Act (FDCPA) is a beacon of hope/protection for individuals facing debt collection harassment. Enforced at both federal and state levels, this act delineates stringent regulations to shield consumers from unlawful actions by debt collectors. Fortunately, these laws extend to Maryland, where state statutes overlap with federal provisions,…
In this blog, we’ll discuss the most common violations borrowers can encounter regarding their right to cure, such as failure to provide notice, premature repossession, inaccurate cure amount, and even cases where the wrong car was repossessed. Right to Cure Violations: Protecting Borrowers from Repossession The right to cure is legal protection for borrowers facing…
The use of “electronic disabling devices for repossession” by automobile sellers and repossessors has become a growing concern for consumers and legal professionals alike. These devices, designed to prevent a vehicle from starting after a missed payment or if stolen, have been criticized for their potential to leave people stranded, breach contracts, and infringe on…
In this article, we’ll explore how some scams unfold, particularly door-to-door energy and door-to-door solar scams, and how scammers trick people into providing personal and account information. We’ll also highlight Marylanders’ special protections, such as Project S.A.F.E. (Stop Adult Financial Exploitation), and the challenges in keeping up with these evolving tactics. How Fake Utility Representatives…
The “Stop the Spam Calls Act of 2023″ took effect on January 1, 2024, with the primary goal of curbing the proliferation of unwanted robocalls and ensuring consumer protection. This significant legislation represents a proactive stance by the Maryland General Assembly to safeguard consumers from intrusive, obnoxious, and often fraudulent telephone solicitations. Telemarketing Laws: Stop…
The Maryland Online Data Privacy Act of 2024 (MODPA) has been a focal point of discussion among privacy advocates and business leaders alike. In the winter of 2024, Peter Holland testified as a proponent of the bill before the Maryland General Assembly, emphasizing the importance of protecting consumer data in an increasingly vulnerable digital world. …
If you’ve recently experienced a car repossession in Maryland, you must understand your rights and the legal requirements creditors must follow. This guide provides an overview of Maryland’s repossession laws, outlining the steps creditors must take and potential violations that could affect your situation. My Car Was Repossessed: Creditor Obligations In Maryland, creditors must send…
Peter Holland, consumer protections and identity theft lawyer, wrote an Op-Ed for the Baltimore Banner to help clarify why the Maryland Online Data Privacy Act (SB 541) needs to be passed as soon as possible. Within the article, Peter provides context as to what loops and endless pitfalls victims of identity theft find themselves in….
The Maryland Public Service Commission has taken a proactive step toward promoting renewable energy accessibility by establishing a community solar pilot program. Designed with a focus on extending the benefits of clean energy to underserved communities, this initiative aims to not only reduce electric bills for participants but also contribute to the overall expansion of…
Maryland legislators have introduced Senate Bill 541, also known as The Maryland Online Data Privacy Act, aimed at bolstering consumer protection in response to concerns regarding data privacy. As long-standing proponents of consumer rights and experienced consumer protection lawyers, the team at The Holland Law Firm stands united to get the bill passed in the…