Everything you need to know about credit card debt in Maryland: the statute of limitations is 3 years, garnishment is capped at 25% of disposable earnings or $145/month (lesser), and 2 state-specific protections apply to your case.
3 years
Statute of limitations (open/revolving accounts)
$5,221
Avg. credit card debt in US
25% of disposable earnings or
Garnishment limit
In Maryland, credit card debt falls under open/revolving accounts with a statute of limitations of 3 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Maryland law.
Credit/Open
3 years
Written
3 years
Oral
3 years
These strategies combine federal FDCPA protections with Maryland-specific laws like the Maryland Consumer Debt Collection Act.
In Maryland, the SOL for this debt type is 3 years — check if your debt has expired.
If a collector wins a judgment for credit card debt in Maryland, garnishment is limited to: 25% of disposable earnings or $145/month (lesser).
Maryland Consumer Debt Collection Act
File complaints: AG Consumer Protection
These Maryland-specific protections apply to your credit card debt case:
All Maryland Debt Laws
SOL, garnishment, protections for all debt types
Credit Card Debt Dispute Guide
Strategies, laws, and tips nationwide
DebtShield generates AI dispute letters that cite Maryland law (Maryland Consumer Debt Collection Act) and federal FDCPA protections. Built for Maryland residents with credit card debt.
Generate Maryland Credit Card Debt Dispute LetterAuto-cites Maryland statutes + FDCPA + FCBA (15 USC § 1666) | From $9.99/mo