FDCPA Violation Demand Letter - Maryland
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.
About this template
- Last updated
- September 24, 2026
- Jurisdiction
- Maryland
- Category
- Demand Letters
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
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