Klima, Peters & Daly, P.A. is a collection law firm in Pasadena, Maryland, listed by the BBB as a collection attorney in business since 1983. A letter or lawsuit from it means a creditor or debt owner hired the firm to collect an account.
- Type
- Collection law firm
- Also known as
- Klima, Peters & Daly, P.A.; Klima, Peters, & Daly, P.A.
- Headquarters
- Pasadena, MD
118 debt collection complaints were sent to the Consumer Financial Protection Bureau about Klima, Peters & Daly, P.A. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Klima, Peters & Daly?
Klima, Peters & Daly, P.A. is a law firm at 8028 Ritchie Highway, Suite 300, in Pasadena, Maryland, in Anne Arundel County. The Better Business Bureau lists it under the categories collection attorney, collections agency and lawyer, describes it as a law firm offering collection services, and gives 1983 as its business start date. The BBB profile also shows other listed locations under the name The Steve Peroutka Law Group in Richmond, Virginia. We could not reach a working firm website when we checked, so we have not listed a website or phone numbers; use the contact details on your letter or court papers. We did not find a CFPB enforcement action against Klima, Peters & Daly.
Why Klima, Peters & Daly May Be Contacting You
We could not verify from an official source which creditors the firm represents or which kinds of debts it handles. A collection law firm is usually hired after an account has been charged off, either by the original lender or by a company that bought the debt. Its letter, or the plaintiff named in a lawsuit, will tell you who the client is.
Contact from a law firm can mean a demand letter, a phone call from firm staff, or a lawsuit filed in a state court. If you have been served, the court deadline matters more than anything else.
How to Check a Debt Klima, Peters & Daly Says You Owe
Treat a law firm letter as a warning that a lawsuit may follow, and use the time to test the claim.
- Find out whether a case exists. Search the court's online records in the state where you live, and check whether papers were left at an old address.
- Read the validation notice. It must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), and it may not demand payment in a way that obscures your right to dispute.
- Dispute in writing within the validation period. Ask for the original agreement, the last statements, the charge-off amount, and, if a debt buyer is the client, the bill of sale and account list showing your account.
- Check the balance against your records, including any settlement or payment plan you already made.
- Look at the age of the debt. In Texas, suits on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Maryland and other states have their own periods.
What Klima, Peters & Daly Can and Can't Do
Lawyers who regularly collect consumer debts, including by filing suit, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)).
- It must file a consumer debt suit where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not imply that an attorney reviewed your account and decided to sue unless that is true (15 U.S.C. § 1692e(3)).
- It may not ask for attorney's fees or costs the contract or law does not allow (15 U.S.C. § 1692f(1)).
- Even with a judgment, state exemption laws limit what can be collected; in Texas, wages are protected from garnishment for ordinary consumer debts. See our debt lawsuit questions.
If its collection seemed improper, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Klima, Peters & Daly or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Klima, Peters, & Daly, P.A.
- CFPB enforcement actions search: Klima
- CFPB Consumer Complaint Database: Klima, Peters & Daly, P.A., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Klima, Peters & Daly has violated any law. Company details change; tell us if something here is out of date.