COVID-19 Alert: Filing Bankruptcy While Isolating or in Quarantine

Mortgage Foreclosure Players Are Not Required to Seek Licensure Under the Maryland Collection Agency Licensing Act


Blackstone v. Sharma, 191 A.3d 1188 (Md. Ct. App. 2018)


The State Collection Agency Licensing Board enforces the Maryland Consumer Debt Collection Act (MCDCA). Md. Code Ann., Com. Law § 14-201 et seq. The MCDCA generally requires that a person must have a license whenever the person does business as a collection agency in the State. Md. Code Ann., Bus. Reg. § 7-301(a). When comparing the legislative history of the Maryland Collection Agency Licensing Act (MCALA), Md. Code Ann., Bus. Reg. § 7-301 et seq. (1992, 2015 Rep. Vol.), including the 2007 departmental bill, against the almost contemporaneous Maryland mortgage foreclosure law reform, the Court of Appeals of Maryland concludes that the General Assembly consciously separated the consumer debt collection agency industry under MCALA from the mortgage industry. In other words, the General Assembly did not intend MCALA to be regulating the mortgage industry actors involved in foreclosure proceedings because the legislature addressed that exact issue in the subsequent legislative sessions.

I utilize simple technology to allow us to meet and share documents remotely. You will get the same service as if you came into my physical office and you will be able to get the protections afforded through bankruptcy while in your own home.

 

Call or Request a Consult below to find out how. All calls are forwarded to my personal cell phone; if I am unable to answer, please leave a message and I will return your call as soon as I am able to.