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    Due to the extensive laws and regulations pertaining to credit, collection and the rights of consumers, it is important to stay informed when it comes to debt collection. Each state has its own particular laws and guidelines in addition to those set forth by the federal government. The links to the right lead to portions of the United States Code and the Maryland Annotated Code dealing with credit, credit reporting, debt collection and bankruptcy. You will also find links to offices and information for the Federal Government and the State of Maryland.