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:…
Consumers who sue large corporations are always at a disadvantage. Among the many advantages the corporate defendant has is information. Imagine in typical case. A large mortgage servicer demands money from a consumer. The consumer doesn’t owe the money. Months pass, and no matter how many times the consumer explains, the calls and the letters… Read more
Every year, tens of thousands of Maryland residents are sued in debt collection cases. Only about 20 percent of them enter defenses, though. There are a lot of reasons for that. Some people think they don’t stand a chance in court. Some hope that the debt will go away if they ignore it. Others simply… Read more
Maryland Judiciary Case Search provides a public window in the court system in Maryland. Case types, the names of parties, judgments and charges are all public information, displayed on case search. Through this window, we can see what the largest institutional users of the court system are up to. Here’s what six of the largest… Read more
In its 5-2 decision, the Maryland Court of Appeals held that actions for back rent under residential leases are subject to a three-year period of limitations regardless of whether the lease includes provisions stating that it is a contract under seal subject to a 12 year statute of limitations. The Holland Law Firm represented Gregory…
Private debt collectors are subject to a variety of laws policing their collection of private debts. The Fair Debt Collection Practice Act (FDCPA) imposes clear and strict requirements on debt collectors – such as preventing them from shaming consumers into payment by publishing the names or calling their parents, preventing them from lying to consumers… Read more
In a time of limited resources, perhaps a new model is emerging of joint CFPB/State Attorney General enforcement actions. The 2015 joint action by the Bureau and Maryland Attorney General Brian Frosh provides a nice case study. In 2015, Maryland Attorney General Brian Frosh and the Consumer Financial Protection Bureau took an action against a… Read more
Strong bankruptcy laws are part of America’s legal heritage. They allow people who make mistakes, or are just unlucky, a chance to start over by erasing their debts. Bankruptcy is not an easy process, since it involves either “liquidation” through Chapter 7 or several years in a Chapter 13 payment plan that takes up almost… Read more
A few years ago, Encore Capital, the parent of debt buyer Midland Funding, LLC started spreading money around overseas, mostly notably with the acquisition of Cabot, a debt-buyer in the United Kingdom. It’s most recent quarterly call with investors (transcript available here, signup required) paints an interesting picture of its ever-expanding global reach. The call… Read more
In June 2015, the Office of the Comptroller of the Currency issued several consent orders dealing with misconduct by large banks. Two were new, against Bank of American and Wells Fargo for newly discovered misconduct. The remainder dealt with the failure by large banks, including Wells Fargo to abide by the terms of existing Consent… Read more
Schedule a consultation with our legal team to review your case.
