Your Maryland rights against Harris & Harris: 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 Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
Maryland Dispute Tips vs Harris & Harris
Harris & Harris collects government and municipal debts — verify with the issuing agency
Parking tickets and municipal fines have specific appeal processes
No collector can threaten arrest for consumer debt — report this immediately