MD Credit Card Debt

Maryland Credit Card Debt Laws

Everything you need to know about credit card debt in Maryland: SOL is 3 years, garnishment capped at 25% of disposable earnings or $145/month (lesser), and 2 state-specific protections apply.

3 years

SOL (open/revolving accounts)

$5,221

Avg credit card debt

25% of disposable earnings or

Garnishment cap

How to Dispute Credit Card Debt in Maryland

Request debt validation under FDCPA § 1692g

Dispute billing errors under FCBA within 60 days

Check if debt exceeds statute of limitations

Negotiate settlement at 40-60% of balance

File CFPB complaint if collector violates FDCPA

Maryland State Law

Maryland Consumer Debt Collection Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Maryland Consumer Protections

Short 3-year SOL for all debt types

Collectors must be licensed in Maryland

Credit Card Debt Tips for Maryland Residents

Never acknowledge debt verbally — it can restart the SOL

Debt buyers often lack original documentation

Average SOL is 3-6 years depending on state

Dispute Credit Card Debt in Maryland

DebtShield generates AI dispute letters that cite Maryland law (Maryland Consumer Debt Collection Act) and federal FDCPA protections.

Generate Maryland Credit Card Debt Dispute Letter