Maryland Collections Legal Questions

As a matter of fact collection agencies are subject to fairly strict rtegulation about how and with whom they may communicate about your debt.  Sending information about your debt to another person, even though a relative, could be aviolation of Federal and Maryland law.  I syggest you use the Find a Lawyer feature of this website to find an attorney who specializes in consumer protection law.  Not only may you be able to receive payment from the collector if they violated the law the collector may have to pay the attorney's fees.  Violations like these happen regularly and, that iswhy there are laws to prevent what sounds like is happenning to you.  You may also wish to contact your State Attorney General who polices consumer protection matterssuch as this.... Read Answer

Your question about using a recorded phone conversation raises an important issue that may be of broad general interest to readers of this site.   Without the consent of all parties to the transaction, that would amount to illegal wiretapping. Do not do it.    I encourage you, and all other readers, before you act (or decide not to take some action) to seek competent, local legal counsel who can address the specific facts of your particular situation.   This web site and the responses herein, including this response,  are designed for general information only. The information presented at this site should not be construed to be  and is not formal legal advice. No attorney-client relationship exists and no attorney-client relationship is formed or created by this response or any response on this website. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer

You need to speak with a local consumer rights attorney.  There are various federal, local, and state consumer protection statutes that may protect your rights and a local consumer rights attorney will be able to determine which laws apply.   Most consumer rights attorneys offer free initial consultations to determine what options are available.   For a good list of consumer rights attorney, please visit: http://www.martindale.com/Results.aspx?ft=1&frm=freesearch&afs=consumer%20rights%20maryland   This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer

Your question about a home owners association and HOA assessments raises a number of important issues that may be of broad general interest to readers of this site. I have been representing clients on both sides of real estate issues in Maryland and D.C. for over 20 years. Commonly, the rights of a condominium “regime” to impose fees on the owners are set forth on a document recorded in the land records of the county where your property is located. Commonly, there is a reference in your deed to where that document is recorded. Sometimes there are other documents that make the homeowners responsible to the HOA and some documents can bind you that are recorded but not references in your deed. There are also county specific laws on HOAs. All these could alter the below. You mention that Twelve Trees Association accepted and cashed every check. Under Maryland “payment law”, absent an agreement with the HOA to let you catch up, the HOA can generally accept checks and simply apply them to your account without being bound to let you catch up. Maryland payment law and Maryland’s Uniform Commercial Code allow you to take certain actions with your checks and other payments that may give you some control over how your payments are applied. Since the HOA accepted the checks, it must at least give you credit for each of the payments you actually paid. Whether this was communicated to the lawyers or not, the lawyers must generally also credit you with the payments, as agents of their clients. If the HOA is not bound to a deal with you -- by agreement, endorsement, contract, law, etc. – then so long as money is owed, the HOA can still seek to run legal fees. However, Maryland’s highest court requires that attorneys fees be reasonable in comparison to the amount sought. See a Maryland State Bar Association article at http://www.msba.org/sec_comm/sections/litigation/newsletters/LitigationJan2012.pdf. See also the cited case of Monmouth, 416 Md. at 337. There are state, county and local assistance programs that might provide financial help that could free up other resources of yours to pay off the lien. Of course, other factors can also intervene that would alter the above. This response is not intended to address all possible issues. This is at best a general overview. I encourage you, and all other readers, before you act (or decide not to take some action) to seek competent, local legal counsel who can address the specific facts of your particular situation. This web site and the responses herein, including this response,  are designed for general information only. The information presented at this site should not be construed to be  and is not formal legal advice. No attorney-client relationship exists and no attorney-client relationship is formed or created by this response or any response on this website. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer

You need to speak with a local consumer rights attorney.  There are various federal, local, and state consumer protection statutes that may protect your rights and a local consumer rights attorney will be able to determine which laws apply. Most consumer rights attorneys offer free initial consultations to determine what options are available. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer