Debt Collectors & Debt Buyers State Debt Buyer Rights

Maryland Debt Buyer Documentation Demand (MD Com. Law § 14-202 & Cts. & Jud. Proc. § 5-1202)

When to use it

Send to a debt buyer collecting from a Maryland resident under MD Debt Collection Act and MD Rules.

Preview

Bracketed fields are filled in from your account when you generate it.

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] Email: [CLIENT EMAIL] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: STATUTORY DEMAND FOR ACCOUNT DOCUMENTATION PURSUANT TO MARYLAND LAW (MD COM. LAW § 14-202 & MD RULE 3-306) Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing as a resident of Maryland in response to your collection demands regarding the above-referenced account. Under the Maryland Consumer Debt Collection Act (MDCPA), MD Code Ann., Com. Law § 14-202, MD Cts. & Jud. Proc. Code Ann. § 5-1202, and Maryland Rule 3-306, debt buyers attempting to collect assigned consumer debts are required to possess specific account-level documentation prior to making collection demands or initiating legal proceedings. I formally demand that you provide the following required documentation: 1. Proof of Legal Ownership: A complete, unbroken chain of title transferring ownership from [ACCOUNT ORIGINAL CREDITOR] to your entity, containing a specific line-item assignment schedule identifying account [ACCOUNT ACCOUNT NUMBER MASKED]. 2. Original Contract / Charge-Off Statement: A copy of the underlying contract or credit card agreement, alongside the original charge-off statement issued by [ACCOUNT ORIGINAL CREDITOR]. 3. Itemized Balance Breakdown: Detailed breakdown showing original principal, pre- and post-charge-off interest, post-charge-off fees, and all payments or credits. 4. Maryland License Number: Your Maryland Collection Agency License number issued by the Commissioner of Financial Regulation. Under MD Com. Law § 14-202(8), claiming or attempting to enforce a right with knowledge that the right does not exist constitutes an illegal collection practice. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]

Legal basis

MD Code Ann., Com. Law § 14-202MD Cts. & Jud. Proc. § 5-1202MD Rule 3-30615 U.S.C. § 1692g

Enclose

Copy of Debt Buyer Collection Notice

Before you send

Consumer resides in Maryland.

Know this first

Do not admit owing the debt or promise to make any payment, as doing so may restart or reset the statute of limitations in some state jurisdictions.
Under MD Rule 3-306 and MD Cts. & Jud. Proc. § 5-1202, debt buyers face strict account-level proof requirements before enforcing consumer debt.

Follow up

Allow about 30 days for a response.