Debt Collection Harassment
Being Harassed by a Debt Collector? The Law Is on Your Side
The Goldson Law Office holds debt collectors and, in Maryland, some original creditors accountable when they harass or abuse consumers. In many cases we can stop the contact, recover money, and help remove collection marks from your credit reports. Most of these cases are handled on a contingency fee, so there is typically no upfront cost to you.
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Tell us about your consumer-law matter. We review submissions to determine whether we may be able to assist.
Free case evaluations help us decide whether your matter may be a fit for the firm. They are not legal advice, do not guarantee representation, and do not create an attorney-client relationship.
This May Be Unlawful Harassment If a Collector...
Under the FDCPA, a single violation can support a claim. Keep a log of what happens.
What You Should Know
The laws that apply, who they cover, and what you may be able to recover.
The FDCPA
The federal Fair Debt Collection Practices Act bars debt collectors from using abusive, deceptive, or unfair tactics and lets consumers sue collectors who break the rules.
Maryland Adds Protection
Maryland's collection laws (including the MCDCA) can also reach original creditors such as banks, utilities, and mortgage servicers, not just third-party collectors. Maryland claims generally require showing the creditor acted knowing the claim was not valid.
Who Counts as a Debt Collector
Generally, any person or business other than the original creditor that regularly collects debts owed to others, including some law firms and companies that buy debt and then try to collect it.
What You Can Recover
Depending on the facts: actual damages (such as lost wages, emotional distress, and credit harm), statutory damages up to $1,000 under the FDCPA, and attorney's fees when you prevail. Results depend on the evidence and are not guaranteed.
Act Quickly and Keep Records
The FDCPA has a one-year deadline to file suit. Note the date, time, phone number, and what was said for every contact, and save voicemails, letters, and texts.
Personal vs. Business Debt
The FDCPA covers personal, family, and household debts. Business and commercial debts are not covered by that law.
Ready to Turn the Tables?
Tell us who is contacting you and what they have said or done. We can review whether the FDCPA or Maryland law applies and what your options are. There is no cost to have your matter reviewed, and submitting information does not create an attorney-client relationship or a request for legal advice.
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