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DebtShield

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The flagship debt recovery platform.

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MD Debt Laws

Maryland Debt Collection Laws

Know your rights in Maryland. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

3 years

Credit card SOL

3 years

Written contract SOL

25% of disposable earnings or

Garnishment limit

Maryland Collection Law

Maryland Consumer Debt Collection Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Maryland

Social Security
Unemployment
Workers' comp
Pension
Disability

Key Maryland Protections

Short 3-year SOL for all debt types
Collectors must be licensed in Maryland

Federal Laws (Apply in Maryland)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Maryland Debt Dispute Letter

DebtShield auto-cites Maryland laws + FDCPA