State of Maryland

State of Maryland Central Collection Unit 13-Year-Old Insurance Lapse Scam Baltimore, Maryland

27th of Aug, 2011 by User597187

I just got a letter from the Central Collection Unit in MD telling me that I had defaulted on $5131.45. The letter was a carbon copy and very hard to read, with some lines smudged or copied over something else. The left side was completely illegible, but I was able to make out "VA-INS-LAPSE-DEFAULT-MASS LOAD". I'm guessing it should have been "MVA". Some of the numbers on the account are too faded to read. Researching these letters led me to this site. I think this goes back to a car I bought in MD that was totalled back in 1998, 13 years ago. I had insurance on it while it was driveable, and I have no idea where it is now. The insurance company I had refused to pay for the car, so I had to pay it off myself. I left the car at the dealer's that I bought it from because there was nothing I could do with it. I think it was Fitzgerald's Auto Mall. They probably have the tags or something; I don't even remember anymore, it was too long ago. I left MD when I left the Army in 2001, and this is the first I've heard anything about this. Before I found this site, I did some research on MD law, and found that their statute of limitations for debt collection is 3 years. If this applies in my case, then I shouldn't have to pay anything. Of course, I shouldn't have to pay for insurance for a car that I got rid of over a decade ago, regardless.

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