If you’re in debt or owe some money, you’re not alone! It’s estimated that 80 percent of Americans have some form of debt, for things like a mortgage, rent, student loans, credit cards, medical debt, or condo/HOA fees. Perhaps the debt is the result of identity theft, or from surprise medical bills. Here’s where debt…
1. It’s Less About the Debt and More About You 2. Know and Show Your Debt Click HERE to Learn More About Debt Collection Lawsuits 3. Address Your Debts Debts, regardless of their source, are less of a problem if you admit to them and address them. If you do owe money, be prepared to show that you have…
Health club membership is a great way for people to stay in shape, practice healthy habits, and connect with their local communities. It’s important for health club patrons to understand Maryland health club definitions and rules in order to protect their rights as consumers. The Maryland Health Club Services law states that each sale of a…
Chances are the last time you signed a contract for a new cell phone, a car lease agreement, a bank account, or even a new job, you unknowingly “agreed” to forced arbitration. Forced arbitration takes away your right to sue a company in court. In these cases, consumers or employees are required to give up…
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…
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…
“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…
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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