Legal Complications

Car title loans function in the same way as any other loan. We urge our customers to consider these following factors when they do decide to proceed with the title loan process:

  • Only borrow what you need
  • Make payments on time
  • Make early payments if you can


Even if you are allowed the maximum amount, it is smart to consider only borrowing the amount that you need. It is tempting to accept that maximum loan amount, but it can result in vehicle repossession. Some lenders are not so quick to repossess and will work with you to reach a compromise, but frequent missed and delinquent payments can ruin this contract. Unlike other collateralized loans, making early payments do not have any consequences, in fact it is preferred.


Debt Settlement/Repossession/Lender Breach of Contract


If your vehicle is repossessed, you may be able to reach a debt settlement with the lender to get the vehicle back. You may also use these services if you suspect that you are a victim of a corrupt lender. Sometimes, lenders will take advantage of your financial situation, and it is important to know your rights and protect yourself. You can get a free consultation with these leading consumer law offices in the state of Maryland, as well as the District of Columbia:


David B. Levin

Phone: (888) 708-0876



National Consumer Law Center (NCLC)

Washington Office

Address: 1001 Connecticut Avenue, NW, Suite 510, Washington, DC 20036

Phone: (202) 452-6252



Friedman Law Offices

Address: 1200 New Hampshire Ave NW Suite 300, Washington, DC 20036

Phone: (202) 293-4175



National Association of Consumer Advocates, Non-Profit Organization

Address: 1215 17th Street, NW, Washington, DC  20036

Phone: (202) 452-1989



You may also contact the Maryland State Police to assist you in examining any illegal practices of the lender:

Address: 1201 Reisterstown Rd, Pikesville, MD 21208

Phone: (410) 653.4200



The Maryland State Police Department are also broken down into different Barracks to assist you even further in your specific county.


To submit a complaint on a State and Federal level, you can also contact:

Maryland Department of Labor, Licensing and Regulation

Office of the Commissioner of Financial Regulation

Address: 500 N Calvert Street Suite 402, Baltimore, MD  21202

Phone: (410) 230-6100 or (888) 784-0136


To submit any specific inquiries and/or complaints:

Phone: (410) 230-6077


Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau can also assist you in any payday, mortgage and student loan troubles.