The actions that debt collectors in Maryland can and cannot take are governed by the Fair Debt Collection Practices Act, or FDCPA. While debt collectors are allowed to contact individuals about a valid debt, those who are contacted have a right to verify what the debt collector is saying. If a person makes a request to verify a debt balance, verification must be provided in writing. Collection agencies are also generally barred from making contact before 8 a.m. or after 9 p.m.
A recent study conducted by the Health Care Cost Institute reveals that one in five hospital patients in Maryland who received treatment at an in-network medical facility were sent an unexpected bill for out-of-network treatment or services. After analyzing almost 620,000 in-network admissions from hospitals in 37 states and the District of Columbia, only New Jersey, California, Kansas and Florida had a higher frequency of out-of-network charges.