CAIN v. MIDLAND FUNDING

No. 38, Sept. Term, 2020 No. 39, Sept. Term, 2020.

256 A.3d 765 (2021)

475 Md. 4

Clifford CAIN, et al. v. MIDLAND FUNDING, LLC. Tasha Gambrell v. Midland Funding, LLC.

Court of Appeals of Maryland.

August 4, 2021.


Attorney(s) appearing for the Case

Argued by Scott C. Borison (Borison Firm, LLC, Baltimore, MD; Phillip R. Robinson , Consumer Law Center LLC, Silver Spring, MD), on brief, for Petitioners.

Argued by James P. Ulwick and Amy E. Askew ( Louis P. Malick , Kramon & Graham, P.A., Baltimore, MD), on brief, for Respondent.

Amici Curiae Maryland Volunteer Lawyers Service and Pro Bono Resource Center of Maryland, Inc.: E. David Hoskins, Esq. , The Law Offices of E. David Hoskins, LLC, 16 E. Lombard Street, Suite 400, Baltimore, MD 21202, Sharon Goldsmith, Esq. , Executive Director, Pro Bono Resource Center of Maryland, Inc., 520 W. Fayette Street, Suite 300, Baltimore, MD 20201, Amy P. Hennen, Esq. , Director of Advocacy & Financial Stabilization, Maryland Volunteer Lawyers Service, 201 N. Charles Street, Suite 1400, Baltimore, MD 21201.

Amicus Curiae Maryland Defense Counsel, Inc.: Timothy M. Hurley, Esq. , Peter W. Sheehan, Esq. , Richard Ochran, Esq. , Nelson Mullins Riley & Scarborough LLP, 100 S. Charles Street, Suite 1600, Baltimore, MD 21201.

Argued before: Barbera, C.J.; McDonald, Watts, Hotten, Getty, Booth and Biran, JJ.


In the instant cases, we must decide the applicable statute of limitations for claims filed by consumer debtors against a consumer debt buyer, Midland Funding, LLC ("Midland"), alleging improper debt collection activities in connection with money judgments that Midland obtained against the plaintiffs at a time when Midland was not licensed...

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