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Maryland Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law for Maryland on
Q: How can I obtain the rights to my photographs from a photographer free of watermarks?

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 »

Mark Oakley
Mark Oakley 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 »

1 Answer | Asked in Consumer Law for Maryland on
Q: Can a debt summons be served on me and handed to a family member at old address. I have not used in a decade.

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

Mark Oakley
Mark Oakley 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 »

1 Answer | Asked in Consumer Law, Contracts, Products Liability and Business Law for Maryland on
Q: Supplier/ installer company sold the ceiling track light to the dentist. The light got separated from the pole, fell and

The light got separated from the pole, fell and caused injury. Expert concluded that the security pin that hold the light to the pole was not installed. Company came and replaced the light and installed the pin in other thirteen pieces of the same type of equipment. There was a personal injury... Read more »

Mark Oakley
Mark Oakley answered on Dec 24, 2021

(1) and (2): The Consumer Product Safety Commission issues recalls for unsafe consumer products, and the manufacturer remains liable to injured persons (emphasis on "injured") on account of their dangerous products, but there is n general right to sue companies solely on the basis that... Read more »

1 Answer | Asked in Collections and Consumer Law for Maryland on
Q: Am I or my assets liable if add fiance to bank acct OR credit card, if a past Collections comes after her? Thanks.

Newly engaged and want to add fiance to bank account(s) and or credit cards of mine for access. Trust is complete from me to her...

She has a $120k debt from car accident (torn artery/needed resuscitation) 7 years back. Those bills stopped and havent been seen in longgggg time... thry dont... Read more »

Daniel Staeven
Daniel Staeven answered on Dec 6, 2021

The simple answer with this fact pattern is that you have liability for your cash in a bank account as it will be presumed that she owns half of the money prior to your marriage. This fact pattern is only presumed if the creditor comes after your jointly owned account.

Adding your fiance...
Read more »

2 Answers | Asked in Consumer Law and Civil Litigation for Maryland on
Q: A car is under parent name, but I pay car note and insurance which is under my name

4 years ago, I traded in a car for another. It was put under a parents name. I pay the car note and pay for insurance which is under my name. I’ve been hearing that as soon as car is fully paid for, they are going to claim it stolen and take the car. They haven’t allowed me to update... Read more »

Mark Oakley
Mark Oakley answered on Nov 22, 2021

Gather all your evidence of payments, trading in your prior car as the downpayment, cost of oil changes and maintenence, insurance premiums and policies issued in your name, as well as any evidence of your continuous possession and exclusive use of the vehicle since it was purchased. They may have... Read more »

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1 Answer | Asked in Consumer Law and Collections for Maryland on
Q: Does time barred debt cover school tuition in Maryland from 2009
Daniel Staeven
Daniel Staeven answered on Oct 25, 2021

It depends. What type of school debt are you talking about? Is this a private school for children? Or, private loans for undergraduate or graduate schools? Or, loans for a college education? The type of debt will depend on whether it is time-barred or not.

You should contact an attorney to...
Read more »

1 Answer | Asked in Real Estate Law, Consumer Law and Civil Litigation for Maryland on
Q: My mortgage company refuse to sign my insurance claim check and sent the check back with no explanation.

I live in Maryland

Mark Oakley
Mark Oakley answered on Oct 14, 2021

You cannot expect a response that will help you in any meaningful way without providing facts, details and context. Start with stating what you received an insurance check for, why it was sent to your insurance company, and the reason the insurance company sent it back to you. If you don’t know... Read more »

2 Answers | Asked in Bankruptcy, Consumer Law, Contracts and Legal Malpractice for Maryland on
Q: I was given 2 responses but I dont know how to respond directly. I signed with my current Attorney in Oct of 2019.

Came up with a plan - started paying the bankruptcy each month. Paid into it March through November of 2020. My attorney filed something incorrectly - case was dismissed for a month. Started getting calls from creditors. He corrected it - I'm back in the bankruptcy. Bankruptcy approved in Dec... Read more »

Mark Oakley
Mark Oakley answered on Sep 16, 2021

You can get a second opinion from another experienced bankruptcy lawyer, who will need to review your case and the filings in it. If there is something new that can be done, other than what is being done, then they will tell you. If there was malpractice, then they can identify it for you and... Read more »

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1 Answer | Asked in Small Claims and Consumer Law for Maryland on
Q: The loan is in my name only but the registration and tags are in mine and Exs name. Who ownes the car legally?
Mark Oakley
Mark Oakley answered on Aug 15, 2021

By title, you both legally own the car equally. Neither of you could be charged with the crime of theft for taking possession of the car from the other and driving it away. Civilly, however, as part of an alleged contract or agreement pursuant to which one of you made all the payments toward the... Read more »

1 Answer | Asked in Consumer Law, Small Claims and Real Estate Law for Maryland on
Q: What type of lawyer specializes in home warranty cases? My builder is refusing to cover items in the 1-year warranty.
Richard Sternberg
Richard Sternberg answered on Aug 3, 2021

That’s just a litigator who practices in the county where the builder will be sued.

1 Answer | Asked in Consumer Law, Real Estate Law and Land Use & Zoning for Maryland on
Q: I am the builder of a new home in Prince Georges County Maryland. I am having a horrible time with an overzealous HOA

I am representing a purchaser of a custom to be built home. The lot is within a 50 year old community called Montpelier in Laurel MD 20707. All of the houses with the exception of this one lot was built in the 60's . The association is Montpelier Community Association. They have an... Read more »

Thomas C. Valkenet
Thomas C. Valkenet answered on Jul 30, 2021

Your questions says you are "developer," but that you "represent the owner." Regardless, you have a political and legal problem. If you can't negotiate your way through a community organization staffed by non-professionals, you have the legal option of seeking a declaratory... Read more »

1 Answer | Asked in Consumer Law for Maryland on
Q: Does my friend have to pay for heating oil mistakenly delivered to my address?

A heating oil company delivered oil to a friend's house that was supposed to be delivered to a house two doors away. My friend found a bill/receipt on her patio and took it to the address listed on the bill/receipt, thinking that it had just blown into her yard. Turns out the oil was... Read more »

Mark Oakley
Mark Oakley answered on Jul 3, 2021

The section you cite is directed to deliberate efforts by a seller to get a consumer to buy their product, without a contract, by intentionally delivering and then billing that consumer for the goods they did not order. The situation you describe is not that scenario; rather, it is a mistaken... Read more »

1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Maryland on
Q: What doctrine governs a partial insurance car repair coverage despite the repair facility's procedure to do it entirely?

My truck was damaged by a collision with a deer. StateFarm paid to repair the truck. StateFarm only paid 1/4 of the cost of reapplying a dealer-installed paint sealant. The "StateFarm recommended" repair facility will not apply the paint sealant to any car partially. Applying the paint... Read more »

Scott Scherr
Scott Scherr answered on Jun 16, 2021

If State Farm is your own insurance company, you can sue them for breach of contract. If State Farm is the insurance company for the other driver who was negligent, you can sue the other driver for the money. Note that if you were injured, you must bring all claims in a single cause of action and... Read more »

1 Answer | Asked in Consumer Law for Maryland on
Q: in maryland, what starts the statute of limitations for debt collectors and what type of actions restart the clock?

I cannot find any state law on this information

Mark Oakley
Mark Oakley answered on Jun 11, 2021

The general SOL for a consumer debt in Maryland is 3 years from the later of (1) the date the last payment on the account balance came due and you failed to pay it, or (2) the date of the last payment you made on the account. In scenario #2, it is not uncommon for debtors to make a late payment,... Read more »

1 Answer | Asked in Consumer Law, Criminal Law and Civil Litigation for Maryland on
Q: can I file a counterclaim in a replevin case?

someone has filed a show cause against me. this person has access to their property but has not taken it. the items are in a storage unit in my name that they were to pay for but haven't for 6 months. now they are refusing to pay and filed a replevin for the items.

Mark Oakley
Mark Oakley answered on Apr 6, 2021

Answer the complaint admitting you have the property and file a counterclaim for the money they agreed to pay to store it but haven't, under a breach of contract theory.

1 Answer | Asked in Consumer Law for Maryland on
Q: Can a repair shop ask for additional money (due to their invoice errors) after repairs are made and paid for.
Mark Oakley
Mark Oakley answered on Mar 25, 2021

Not enough facts. As a general proposition, the repair shop is entitled to be paid for work and materials requested to be performed that were actually performed, and the customer has the right to approve of repairs over and above what was discussed or agreed to be performed and paid for. It is... Read more »

1 Answer | Asked in Consumer Law and Contracts for Maryland on
Q: are 2 year gym contracts legal in reston virgina
Scott Scherr
Scott Scherr answered on Mar 3, 2021

You should repost your question to Virginia lawyers since the contract was in Virginia. This was posted to Maryland attorneys.

1 Answer | Asked in Consumer Law, Contracts, Real Estate Law and Civil Rights for Maryland on
Q: Questions about state v. federal antidiscrimination laws in homeowner's associations, contracts

I need lawyers to review several related but different issues

Review an implied written contract between owner and Homeowner’s association for compensation when the HOA is incorrect.

Review complaints for ADA and FHA (housing laws) against an HOA, and help prosecute in Court.... Read more »

Richard Sternberg
Richard Sternberg answered on Feb 10, 2021

The terms of service for Justia prohibit lawyers from soliciting business here. The web site is for general information and access to justice. I've often written, however, on how to find a lawyer. I’ve written this same answer several times on Quora, and I don’t have enough time to rewrite... Read more »

2 Answers | Asked in Consumer Law, Contracts, Criminal Law and Landlord - Tenant for Maryland on
Q: What can a landlord do legally during a home inspection? Is there anything illegal that could happen?

We have a home inspection with a very controlling, disgruntled landlord who does not believe we have any rights. It’s a verbal lease and he believes that he is law.

Can he legally go through, shift, move, touch anything that is ours during the inspection? What rights do tenants have... Read more »

Eric Todd Kirk
Eric Todd Kirk answered on Feb 4, 2021

You should repost this query under the heading Landlord-Tenant to get the best advice.

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1 Answer | Asked in Consumer Law for Maryland on
Q: The warehouse manager tried to push a 150 pound table off the loading bay. on my wife and threw the?receipt in her face.

What are my options

Mark Oakley
Mark Oakley answered on Nov 24, 2020

"Tried to ...." Unless your wife suffered physical injuries, then she has no claim.

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