Your Maryland rights against LVNV Funding: 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 LVNV Funding Violations
Collecting debt they cannot validate
Misrepresenting the amount owed
Re-aging accounts on credit reports
Maryland Dispute Tips vs LVNV Funding
LVNV is a debt buyer — demand proof of assignment chain
Never make a partial payment — it can restart the SOL in some states
Dispute directly with credit bureaus citing FCRA § 611