How Maryland’s Debt Collection Laws Protect You
For Maryland consumers, debt collection laws in the state provide a number of protections. Knowing how and when these protections will be enforced can help you understand your rights as a consumer and prevent any mistreatment by debt collectors.
Maryland law prohibits debt collectors from engaging in unethical or abusive behavior when collecting on debts. This includes harassment, threats of violence, the use of obscene language, misrepresentation of the amount owed or one’s legal rights, repeated phone call attempts to annoy someone, or contact with someone before 8:00am and after 9:00pm. Debt collectors are also not allowed to make false statements about one’s creditworthiness or reputation in order to collect on a debt. A consumer has the right to sue for damages if such actions occur.
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