By the way, I read that a debt collector per the State of MD cannot collect on a debt that is more than 3 years old. The debt is over $2,000 but they (Lake City Credit) will settle for $300.
answered on Jan 19, 2023
The statute of limitations for debts is 3 years, meaning a lawsuit must be filed within 3 years of the debt becoming due, or the debtor can move to dismiss the court action as beyond the statute (limitations is an "affirmative defense" that must be raised by the defendant or it is... Read more »
I signed for a Bootcamp in Baltimore on September 2022, I didn't realize they had a renewal clause in the agreement which I signed. I signed only for a month and I stopped going to the bootcamp.
Now, on December I received a charge on my credit card for 1.600$ from the bootcamp.... Read more »
answered on Dec 28, 2022
Without reading the contract terms and reviewing any consumer protection statutes that might apply to your situation, it is difficult to fully evaluate what legal rights you may have to contest the renewal directly. For instance, healthclub memberships are not allowed to contain automatic renewal... Read more »
He did not hire anyone and tried to do it by himself and one assistant. Unfortunately, no contract was signed, and the original agreement was $11000. I have already paid him $8000 plus a $500 Home Depot gift card for extra materials that he needs (in case I am not available). He did not put on a... Read more »
answered on Nov 26, 2022
Let's start with the legal issues first:
(1) Did the contractor pull a building permit for this job, if one was needed? How high was this wall supposed to be (walls over a certain height require a permit)? It is the non-delegable duty of the contractor to obtain all permits and pass... Read more »
answered on Nov 2, 2022
If by "declined tabs" you mean, unpaid tabs or declined credit cards that left the tab unpaid, then yes. Truth is a complete defense to a defamation (libel) claim, if the named party on the tab is feeling humiliated by being called out in this manner. A "Wall of Shame" has... Read more »
I have $45000 in debt, a "debt resolution" lawyer is telling me to enroll on their program. Their fee is $500 per month for 36 months for a total of $18000. He said once the program is completed Ill be debt free. Im very skeptical of how would I be debt free if I am only paying their... Read more »
answered on Oct 20, 2022
Once you accumulate a certain amount of money, they will negotiate with your creditors to accept that amount in full resolution of the debt. However, in the meantime, you will be in arrears (not paying), which will affect your credit. Obviously, the debt resolution company keeps a portion of that... Read more »
I was told that I have no choice but to obtain a real ID license.
When I asked what legal authority mandates that I get a Real ID license, the manager browsed his computer for approximately ten minutes, then said he would issue me a 45 day temporary license to think about it.
He... Read more »
answered on Oct 17, 2022
It is a requirement under federal law:
https://mva.maryland.gov/Pages/realid.aspx
The case is for credit card debt. Are there any typical reasons they would voluntarily dismiss the case without judgement?
answered on Sep 20, 2022
If the dismissal is "without prejudice" then they can re-file suit so long as they do so within the original statute of limitations, which is 3 years in Maryland for typical credit card debt. The 3 years begins to run from the date the last payment under the credit card agreement became... Read more »
Nissan said that part won’t be available for 6 mos. To a year. I am a college student & need a car & can’t afford to lease one , yet still have to make payments on a car I can’t drive
answered on Aug 11, 2022
You would need to review the terms and conditions of your warranty. It will spell out your rights. You can also ask Nissan or the dealership to give you a loaner vehicle until your car can be repaired.
We were under contract to purchase our first home. The lender asked for a second extension on the closing date. The Seller was not happy but agreed under the terms that we would forfeit our earnest money deposit if closing did not happen. Our lender assured all parties involved that he only... Read more »
answered on Jul 11, 2022
Not likely. In Maryland there is a reported case called "Jacques," (my spelling may be off) which describes the standard of care owed by a lender to its prospective borrower. Whomever you consult should pull this line of cases for discussion.
Trying to buy a Service Vehicle: Car got loaned out while I am waiting to finish the purchase.
I went to buy a service vehicle from Annapolis Hyundai. I liked the car decided to continue with the purchase. I signed a printed paper with the cars VIN, price, and other details. No sentences... Read more »
answered on Jun 15, 2022
Express your dissatisfaction to the sales manager; ask for a discount for the extra miles and wear and tear on the car; or cancel the purchase if whatever you signed allows you to cancel (it is unclear whether you signed a binding contract to purchase or not). Maybe ask to purchase a different car... Read more »
house and left the sculpture for the new owner. Do I have the right to reclaim my sculpture? I live in Montgomery County MD and that is where the sculpture is too.
answered on Apr 6, 2022
Can you prove it was a loan and not a gift? Is there a claim that you gave up ownership through abandonment of it? Your friend who sold the house in all likelihood did not inform the buyers that the sculpture was not part of the sale and did not convey--in fact, your friend may even have... Read more »
answered on Mar 28, 2022
I am also a MD broker, and we have had this question from many of our clients, over time. The answer is entirely dependent on what the review says, and the circumstance. But it is extremely unlikely that you would ever recover non-economic damages. Have you exhausted your remedies with Google? Have... Read more »
My dad was given a summons for me today for a debt that is now past Maryland’s 3 year statue of limitations on credit debt collection. However even though the summons was just issued on March 8th, 2022 it states that they filed in July 2019. How am I just being served and is this legal? Does the... Read more »
answered on Mar 19, 2022
The statute of limitations is satisfied once the lawsuit is filed. So long as the lawsuit was filed within three years, the statute of limitations was satisfied. In addition, some contracts are under seal in which case the statute of limitations is 12 years.
pending against me. If I ask them for proof and they don't give it to me should I just block the number?
answered on Mar 15, 2022
If you are being sued in Maryland, you can look up your cases on Maryland Judiciary Case Search. All civil lawsuits in state court should appear.
I received a call from two different companies about a debt that is not mine. How can I find out if I'm dealing with identity theft or a scam?
answered on Mar 15, 2022
It very well could be a scam. Do not provide any personal information. Tell them to send proof of the debt by regular mail.
answered on Feb 16, 2022
You can sue the unlicensed contractor for the money. An unlicensed contractor can even be sued for money paid for services performed since he was unlicensed.
You can also file criminal charges for theft and working as a contractor without a license. The court can order restitution as part... Read more »
Unlicensed contractor owes me thousands and I believe stole money and medication from me
Also claimed to be licensed and insured!!!
answered on Feb 14, 2022
If this was a home improvement project (construction work/remodel on your residence) then file a complaint with the MHIC. You cannot get any money from them, but they will bring criminal charges against the unlicensed contractor, and the judge in the criminal case can order monetary restitution... Read more »
They had my vehicle for several months. When it was just about ready, it fell off the car lift and sustained damages totaling my vehicle. Their insurance company wrote it off as a total loss and is offering me a just and fair offer for compensation. The service center is still requesting me to... Read more »
answered on Feb 9, 2022
They never returned a repaired car to you. They did not live up to their end of the contract. I would not be inclined to pay the bill. You can submit the bill to their insurer and ask them to pay it.
Recently, I had family photos taken by a photographer. Prior to the on site shoot the photographer and I discussed, through text message, watermarks on the photos as well as the use of the photos. He stated the final product would not have the watermark and we could use the photos at our... Read more »
answered on Jan 25, 2022
You have a contract, I hope, which is written. The terms of payment are or should be stated, as well as what you are paying for exactly and what the photographer is to provide for that payment. Without reviewing the terms of the contract, it is impossible to advise you. As a general matter,... Read more »
Current address I have on Id is not that address and has not been in years. Address on debt is not that address either. State is maryland
answered on Dec 30, 2021
It is not proper service unless you live there. However, the court does not know you do not live there, so in order to contest service, you will have to file a motion to strike the service as invalid, sign an affidavit that you do not live at the address where the summons was served, and claim you... Read more »
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