Andrew Blizzard, et al. v. Hunter Warfield, Inc., et al.

Blizzard · United States District Court for the District of Maryland · February 3, 2026 · No. 23-3374-ABA

Summary

The United States District Court for the District of Maryland granted summary judgment to the landlord defendants in a dispute involving rent collected during periods when the rental property lacked a required Baltimore City license. The court held that voluntary rent payments, absent legally compelled payment, eviction, or another actionable injury, do not support private claims under the Maryland Consumer Debt Collection Act or Maryland Consumer Protection Act. The court also declined to enter declaratory judgment.

Holdings

  1. A tenant who voluntarily pays rent to an unlicensed landlord, without showing an additional actual injury or loss, cannot maintain a private action under the Maryland Consumer Debt Collection Act or Maryland Consumer Protection Act based solely on the landlord's lack of licensure.
  2. For purposes of the claims asserted here, rent payments are involuntary and potentially recoverable as damages when made pursuant to a court-ordered judgment or eviction order; lesser collection efforts such as calls, emails, or passive listing of a balance do not, by themselves, create a private MCDCA or MCPA cause of action.
  3. Plaintiffs were not entitled to a declaratory judgment because they could not maintain their underlying MCDCA or MCPA claims against the Landlord Defendants.

Questions Presented

  1. Whether tenants who voluntarily paid rent during periods when their landlord lacked a required rental license suffered an actionable injury supporting claims under the Maryland Consumer Debt Collection Act or Maryland Consumer Protection Act.
  2. Whether the Landlord Defendants' telephone, email, or other nonjudicial rent-collection efforts transformed Plaintiffs' rent payments into actionable damages.
  3. Whether Plaintiffs were entitled to declaratory relief when they could not maintain their MCDCA or MCPA claims.

Disposition

other

Cases Cited (12)

  • Assanah-Carroll v. Law Offices of Edward J. Maher, P.C., 480 Md. 394 (2022)(followed)
  • Aleti v. Metro. Baltimore, LLC, 479 Md. 696 (2022)(followed)
  • Galola v. Snyder, 328 Md. 182 (1992)(followed)
  • Golt v. Phillips, 308 Md. 1 (1986)(followed)
  • CitaraManis v. Hallowell, 328 Md. 142 (1992)(followed)
  • McDaniel v. Baranowski, 419 Md. 560 (2011)(followed)
  • Zambali v. Shulman Rogers, P.A., Case No. 23-cv-03194-SAG, 2024 WL 3161590 (D. Md. June 25, 2024)(followed)
  • Exum v. Kane, Case No. 24-cv-1425-DKC, 2025 WL 834014 (D. Md. Mar. 17, 2025), opinion clarified, 2025 WL 2049985 (D. Md. July 22, 2025)(followed)
  • Anderson v. Liberty Lobby, Inc., 477 U.S. 242 (1986)(followed)
  • Sedar v. Reston Town Ctr. Prop., LLC, 988 F.3d 756 (4th Cir. 2021)(followed)

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