MD Medical Debt

Maryland Medical Debt Laws

Everything you need to know about medical debt in Maryland: SOL is 3 years, garnishment capped at 25% of disposable earnings or $145/month (lesser), and 2 state-specific protections apply.

3 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings or

Garnishment cap

How to Dispute Medical Debt in Maryland

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Maryland State Law

Maryland Consumer Debt Collection Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Maryland Consumer Protections

Short 3-year SOL for all debt types

Collectors must be licensed in Maryland

Medical Debt Tips for Maryland Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Maryland

DebtShield generates AI dispute letters that cite Maryland law (Maryland Consumer Debt Collection Act) and federal FDCPA protections.

Generate Maryland Medical Debt Dispute Letter