As a lawyer with years of experience in Clinton, Maryland, here at the Law Office of William Ray Ford, I’ve seen how overwhelming dealing with debt collection can be. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, unfair, or deceptive practices during debt collection.

At the Law Office of William Ray Ford located in Clinton, Maryland, I frequently guide clients through the intricacies of civil litigation. One area that often raises questions is the motion to vacate, a legal request that asks the court to set aside or cancel a prior judgment or order.

At the Law Office of William Ray Ford, I understand that receiving a property garnishment notice is a serious matter that can significantly impact your financial situation. It often comes as a shock to those unprepared for it. This legal action, usually a creditor’s last resort, can feel overwhelming.

Understanding civil law can be overwhelming no matter what your situation might be. As an attorney with over 40 years of experience, I have seen firsthand how legal challenges can disrupt lives.

As someone who's been involved in civil litigation, you might find yourself considering the next steps after a trial. Whether you won or lost, the process doesn’t necessarily end with the trial court's judgment.

Debt collection is governed by several legal regulations designed to protect consumers from abusive or unfair practices while allowing creditors to pursue legitimate debts. These regulations primarily stem from federal laws in the United States, supplemented by state-specific laws that may provide additional protections. As a debt collection defense attorney, here's my overview of the key legal regulations you need to be aware of for debt collection.

Civil litigation refers to legal disputes between two or more parties that seek monetary damages or specific performance rather than criminal sanctions. These disputes can arise from various situations, including breaches of contract, personal injuries, consumer protection violations, and more.

A judgment in a debt collection case is a court order that declares you legally responsible for a debt. This can result in wage garnishments, bank account levies, and liens on your property. It’s essential to address a situation such as this before it reaches this stage.

Accepting or rejecting a settlement offer isn't a decision to be made lightly. It's important to realize that a settlement offer is more than just a dollar amount. It's a package deal, complete with terms and conditions that can make or break your case.

Receiving a default judgment due to improper service can be intensely frustrating. This kind of default judgment means that a court has ruled against you without your knowledge or participation because you were not properly notified about the lawsuit.