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BARTLETT v. PORTFOLIO RECOVERY ASSOC.

Nos. 64, 76, September Term, 2013.

91 A.3d 1127 (2014)

438 Md. 255

Rainford G. BARTLETT v. PORTFOLIO RECOVERY ASSOCIATES, LLC. James Townsend v. Midland Funding, LLC.

Court of Appeals of Maryland.

May 19, 2014.

Attorney(s) appearing for the Case

Max F. Brauer ( E. David Hoskins , The Law Offices of E. David Hoskins, Baltimore, MD), on brief, for petitioner in Nos. 64, 76, Sept. Term, 2013.

Ava E. Lias-Booker ( Veronica D. Jackson , McGuireWoods, LLP, Baltimore, MD; Tennille J. Checkovich , McGuireWoods, LLP, Richmond, VA; Lauren M. Burnette , Marshall, Dennehey, Warner, Coleman & Goggin, Camp Hill, PA), on brief, for respondent in No. 64, Sept. Term, 2013.

William F. Brockman, Esq. , Deputy Solicitor General, Rebecca J. Coleman, Esq. , W. Thomas Lawrie, Esq. , Asst. Attys. Gen., Baltimore, MD, for amici curiae brief of Attorney General of Maryland and Maryland State Collection Agency Licensing Board in Nos. 64, 76, Sept. Term, 2013.

Jacob M. Ouslander, Esq. , Legal Aid Bureau, Inc., Baltimore, MD, for amicus curiae brief of Legal Aid Bureau, Inc. in support of Petitioner in No. 64, Sept. Term, 2013.

Scott T. Whiteman, Esq. , Executive Committee Member, Maryland-DC Creditor's Bar Assoc., Inc., Owings Mills, MD, for amicus curiae brief of Maryland-DC Creditors Bar Association, Inc. in No. 64, Sept. Term, 2013.

Ronald S. Canter, Esq. , The Law Offices of Ronald S. Canter, LLC, Rockville, MD, for amici curiae brief of National Association of Retail Collection Attorneys, DBA International and ACA International in support of Respondent in No. 64, Sept. Term, 2013.

James P. Ulwick ( Amy E. Askew , Kramon & Graham, P.A., Baltimore, MD), on brief, for respondent in No. 76, Sept. Term, 2013.

Stuart Robert Cohen, Esq. , AARP Foundation Litigation, Washington, DC, Peter A. Holland, Esq. , Director and Clinical Instructor, Consumer Protection Clinic, Baltimore, MD, for amici curiae brief of AARP, the University of Maryland Law School Consumer Protection Clinic, Civil Justice, Inc., Maryland Legal Aid Bureau, Inc., The National Association of Consumer Advocates, The National Consumer Law Center, and the Public Justice Center, in support of the Appellant in No. 76, Sept. Term, 2013.

Nicole K. McConlogue, Esq. , Pro Bono Resource Center of Maryland, Inc., Baltimore, MD, for amicus curiae brief of Pro Bono Resource Center of Maryland, Inc., in support of Petitioner in No. 76, Sept. Term, 2013.

Argued before BARBERA, C.J., HARRELL, BATTAGLIA, GREENE, ADKINS, McDONALD, WATTS, JJ.

GREENE J.

In these consolidated "debt buyer" small claim actions,1 we must determine whether the plaintiffs are permitted to satisfy their respective burdens of proof to establish liability and damages on the basis of hearsay evidence. Both cases originated in the District Court of Maryland sitting in Baltimore City. The plaintiffs filed small claim actions for money damages and demanded judgment on affidavit at the time of filing the...

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