Wrongful Debt Collection Attorney in Maryland

At the Holland Law Firm, we represent consumers facing unfair treatment by debt collectors, debt buyers, banks, credit bureaus, and financial institutions. When debt collectors start coming after you for all the wrong reasons, you need an experienced team by your side.

Don’t let these debt collectors ruin your life.

For over 20 years we have helped victims of wrongful debt collection, wrongful credit reporting, wrongful repossessions, and other scams. When a debt collector is abusing you, you have rights under federal and Maryland law. We sue debt collectors to hold them accountable.

If a debt collector, debt buyer, or collection agency is violating your rights, you may have legal remedies available under both federal and state law.

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    Common Forms of Wrongful Debt Collection

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    Collection on Invalid or Inaccurate Debts

    Collectors frequently pursue debts that were already paid, discharged in bankruptcy, or never belonged to the consumer. Others seek payment on time-barred debts or inflate balances with unauthorized fees and interest.

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    False Statements and Deceptive Practices

    Collectors cannot falsely claim to be attorneys or government officials, threaten lawsuits they don’t intend to file, or suggest consumers face criminal prosecution for failing to pay. These tactics cause real emotional and financial harm.

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    Privacy Violations and Improper Contact

    Collectors cannot contact your family members, employer, friends, or coworkers about an alleged debt. They also cannot continue contacting you after being told to stop or after learning you have an attorney.

    Your Legal Protections

    The Fair Debt Collection Practices Act (FDCPA)

    The FDCPA gives consumers the right to dispute debts, request debt validation, limit communications from collectors, and pursue damages when collectors violate the law. Within five days of initial contact, a collector must provide written notice of the amount owed, the creditor’s name, and your right to dispute. If you dispute in writing, collection activity may need to stop until proper verification is provided.

    Maryland Consumer Protection Laws

    The Maryland Consumer Debt Collection Act prohibits collectors from attempting to enforce rights they know do not exist, collecting a debt you do not owe, or doing anything that violates the FDCPA. Unlike federal law, Maryland law applies not only to third-party debt collectors, but also to original creditors.

    Our Process

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    1. Initial Contact

    Fill out our contact form, providing basic information about your case and including your contact details.

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    2. Review

    We review the information you submitted to determine if we can assist with your legal issue.

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    3. Request for Additional Information

    If we believe we can help, we’ll request more details and offer a paid consultation. If we cannot help, we’ll email you with links to relevant legal resources.

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    4. Paid Consultation

    If you proceed, a 45-minute consultation will be scheduled to discuss the facts and assess your legal options. We will email you a consultation agreement.

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    5. Decision Making

    After the consultation, we’ll collaborate to decide whether hiring us is the right course of action.

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    6. If We Can’t Assist After the Consultation

    If we determine we can’t assist, we’ll provide you with information about other legal resources.

    Why Hire One of Our Attorneys?

    Wrongful debt collection cases are often highly technical and legally complex. Collectors rely on sophisticated systems, mass-filed lawsuits, and aggressive strategies designed to pressure consumers into payment. Consumers benefit from attorneys who understand:

    • Federal consumer protection statutes
    • Maryland debt collection laws
    • Debt collection procedures and FDCPA violations
    • Collection lawsuit defense
    • Statute of limitations defenses
    • Litigation strategy against major financial companies

    You have rights. We have experience. Let’s work together.

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    What our clients say. We’re proud to stand with consumers who are being treated unfairly, and we appreciate our clients sharing the experiences they’ve had working with us.