Your Maryland rights against GC Services: SOL is 3 years for credit card debt. Garnishment capped at 25% of disposable earnings or $145/month (lesser).
3 years
Maryland credit card SOL
Maryland Consumer Debt Collection Act
State collection law
Common GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
Maryland Dispute Tips vs GC Services
GC Services collects government and student debts — verify with the original agency
Federal student loans have specific protections — don't let collectors mislead you
Government debts may have different rules — research before engaging