Subprime Lenders-Protecting Consumers

What is subprime lending? Subprime lending is a term used for borrowers who do not meet the normal credit rating and therefore have higher rates and more difficulty getting loans. Things that can affect credit scores include bankruptcy, late or defaulted loans and credit, overextension of credit, tax liens, foreclosures. While there is no specific …

Lead Poisoning- Rights as a Tenant

Older homes + Chipping paint= Potential for Poisoning. Prior to 1978 many homes contained lead paint, it was in fact fairly common until the 1950's when its use started to decline. Homes built before 1978 with chipping paint or dust from paint due to repairs are a cause for concern as they can expose you …

Are utilities considered rent? The law remains unclear.

  A recent article in the Associated Press (courtesy of the Baltimore Sun)discusses how  Maryland judges differ on what should be considered "rent"for purposes of evictions after a early 2016 landlord tenant case shook things up. A recent case Lockett v. Blue Ocean Bristol has perhaps helped sway the pendulum towards further protections for Maryland's …

Retaliatory Actions-Proving your landlord has retaliated against you.

Retaliatory Actions- What is it and how do you prove it? In Maryland, as in many states, a tenant has a number of rights. One such right includes protections against retaliatory actions including eviction, arbitrary increases in rent or decrease in services that they are otherwise entitled to. Landlords are prohibited from engaging in such actions …

Maryland Medical Malpractice and the Arbitration Requirement

Arbitration is an alternative dispute resolution  process by which a decision is reached from a neutral individual who may or may not be a former judge, as an alternative to going to court. An interesting change in medical malpractice is the removal of the requirement for arbitration. Arbitration in medical malpractice complaints used to be …