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On December 28, 2025, Maryland implemented new regulations on debt collection practices that aim to protect debtors from abusive and unfair practices while also ensuring that creditors are able to collect debts in a lawful and ethical manner. These regulations come as a response to the growing concerns over predatory debt collection practices that have been reported in the state.One of the key provisions of the new regulations is the prohibition of debt collectors from engaging in harassing or threatening behavior towards debtors. This includes making excessive phone calls, using profane language, or making false statements in an attempt to collect a debt. Additionally, debt collectors are now required to provide debtors with accurate and detailed information about the debt, including the amount owed, the name of the original creditor, and the options available for resolving the debt.Furthermore, the new regulations also include guidelines on the verification of debts, ensuring that debt collectors have sufficient documentation to prove that a debtor owes the debt in question. This is aimed at preventing instances where debt collectors attempt to collect debts that are not owed by the debtor.In addition to these protections for debtors, the new regulations also place restrictions on the fees that debt collectors can charge for their services. Debt collectors are now required to disclose all fees upfront and are prohibited from charging excessive or unreasonable fees for their services.Overall, these new regulations are expected to level the playing field between debtors and creditors in Maryland, ensuring that debt collection practices are conducted in a fair and transparent manner. By implementing these regulations, Maryland seeks to protect consumers from abusive debt collection practices while also allowing creditors to efficiently collect debts that are owed to them.