Franklin Credit Management Corp. v. Nefflen

Court of Special Appeals of Maryland
57 A.3d 1015, 208 Md.App. 712 (2012)
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Sections

Rule of Law:

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The Legal Principle

This section distills the key legal rule established or applied by the court—the one-liner you'll want to remember for exams.

Facts:

  • Franklin Credit Management Corporation ('Franklin') began servicing Fred Nefflen's mortgage and claimed his monthly payment was higher than the amount agreed upon in a prior loan modification.
  • Franklin reported Mr. Nefflen as delinquent to credit agencies, leading to a lawsuit that the parties settled in June 2009.
  • The settlement agreement required Franklin to delete all derogatory information from Mr. Nefflen's credit reports and to cease demands for flood insurance.
  • Following the settlement, Franklin sent Mr. Nefflen multiple letters demanding he obtain flood insurance and eventually purchased a policy on his behalf, charging the cost to his account.
  • Franklin also failed to remove the negative information from Mr. Nefflen's credit reports, which continued to list his account as adverse.
  • As a result of the negative credit reporting, Mr. Nefflen was denied credit to purchase a new car.

Procedural Posture:

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How It Got Here

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Issue:

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Legal Question at Stake

This section breaks down the central legal question the court had to answer, written in plain language so you can quickly grasp what's being decided.

Opinions:

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Majority, Concurrences & Dissents

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Analysis:

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Why This Case Matters

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Loaded: Franklin Credit Management Corp. v. Nefflen (2012)

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