FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MARYLAND
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Maryland CDCA Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Maryland resident.
I. VIOLATIONS IDENTIFIED
Federal FDCPA Violations:
☐ Validation notice failure (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)
Maryland Consumer Debt Collection Act (Md. Code, Com. Law Section 14-202):
☐ Claim or threat of unlawful action (Section 14-202(1))
☐ Deceptive representations (Section 14-202(2)-(5))
☐ Harassment (Section 14-202(6)-(7))
☐ Other prohibited practices (Section 14-202(8)-(11))
Maryland Consumer Protection Act (Md. Code, Com. Law Section 13-301):
☐ Unfair or deceptive trade practices
Maryland SB 90 - Stop the Spam Calls Act:
☐ Telephone solicitation without express written consent
☐ Exceeding three calls per 24-hour period
☐ Unfair, abusive, or deceptive trade practices (telemarketing)
II. MARYLAND LEGAL FRAMEWORK
Maryland Consumer Debt Collection Act
Md. Code, Com. Law Section 14-201 et seq. is Maryland's comprehensive mini-FDCPA. Section 14-202 prohibits numerous collection practices including:
- Claiming legal action that cannot be taken
- Threats of arrest or garnishment
- False representation of debt amount
- Collection of unauthorized amounts
- Harassment by telephone
Maryland SB 90 (2025) - Stop the Spam Calls Act
Maryland's Stop the Spam Calls Act requires:
- Express written consent for telephone solicitations
- Limit of three calls per 24-hour period
- Defines "automated system" broadly
- Violations are unfair, abusive, or deceptive trade practices
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Actual Damages | $[AMOUNT] |
| Maryland CPA Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[MARYLAND BAR NUMBER]
MARYLAND-SPECIFIC REFERENCE
| Element | Maryland Law |
|---|---|
| CDCA | Md. Code, Com. Law Section 14-201 et seq. |
| CPA | Md. Code, Com. Law Section 13-101 et seq. |
| SB 90 | Stop the Spam Calls Act (3 calls/24 hrs) |
| Express Written Consent | Required for telemarketing |
| State Enforcement | Maryland AG |
Consult a Maryland-licensed attorney before use.
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