What Is Debt Collection in Baltimore, Maryland?

Find the right Debt Collection attorney in Baltimore, MD

"Collections" refers to the process by which creditors attempt to get nonpaying debtors to pay what is owed. There are numerous laws in Baltimore, Maryland regulating the conduct of collections agences.

What if I Am Owed Money in Baltimore, Maryland?

If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.

For example, when attempting to collect, creditors are not allowed to use abusive language, contact any third party about the debt, and of course they are not allowed to use threats of violence in an attempt to get their money.

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the exact amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be prudent to hire a Baltimore, Maryland collections agency. If you go this route, it is important to make sure that you hire an agency that is reputable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Baltimore, Maryland?

If you know that you owe the money being sought of you, and have the resources to pay it, you should do so - this is the quickest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave cordially with the collection callers, especially if they are doing the same. Whatever you do, you should not ignore the matter, because this will never make the problem go away, and will make things worse in the long run.

Fortunately, you have some options in Baltimore, Maryland. First of all, you should try to contact the creditor directly, and see if something can be worked out. If this doesn't work, you can demand that the collection agency stop contacting you by phone. When this happens, they are not allowed to contact you further. This, of course, doesn't make the debt go away, but if the calls are becoming unbearable, it might buy you a little bit of time. Usually, when this happens, the creditor gives up on extra-judicial collections, and files a lawsuit against the debtor.

If you have hired a Baltimore, Maryland attorney to help you through this process, he or she might advise that you declare bankruptcy. Once this occurs, creditors are legally barred from attempting to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Baltimore, Maryland Collections Attorney Help?

If you think that a collection agency is engaging in abusive tactics, you should call a local Baltimore, Maryland attorney, as you might have a claim for damages against the creditor or the collection agency.

Also, if you're considering filing for bankruptcy, a good attorney in Maryland can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Baltimore

Baltimore, Maryland is known to many as an exciting city. It is located in central Maryland along a part of the Patapsco River. Baltimore's population is approximately 2.7 million, with a very diverse population.

Popular attractions in Baltimore include Fort McHenry National Monument, the American Visionary Art Museum, the Maryland Science Center, Geppi's Entertainment Museum, Federal Hill Park, and the USS Constellation.

Of course Baltimore is home to many more attractions that can be written about; they simply need to be visited and experienced! Being such a great city, Baltimore is home to a very strong legal force. There are many small, mid-size, and large firms in the city that practice in practically all areas of law. Baltimore residents should rest assure, because any of their legal needs can adequately be addressed.

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