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DebtShield

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The flagship debt recovery platform.

Maryland
MDIC System

Dispute IC System in Maryland

Your Maryland rights against IC System: 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 IC System Violations

Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences

Maryland Dispute Tips vs IC System

IC System handles medical and utility debts — request itemized bills
Medical debts under $500 are excluded from credit reports as of 2023
Demand they verify the debt with the original creditor, not their own records

Maryland Protections

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

Maryland Debt Laws

All protections in Maryland

IC System Overview

All violations & tips

Dispute IC System in Maryland — $9.99/mo