Maryland / Second Round Sub / Medical Debt Dispute Second Round Sub Medical Debt in Maryland Second Round Sub is collecting medical debt in Maryland where the statute of limitations is 3 years . Average medical debt: $2,459. Garnishment limit: 25% of disposable earnings or $145/month (lesser).
3 years
Statute of Limitations
$2,459
Average Medical Debt
25% of disposable ea
Garnishment Limit
Known Second Round Sub Violations Collecting debts they cannot substantiate Failing to cease collection after dispute Inaccurate credit bureau reportingDispute Strategies 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% routinelyMaryland Protections Maryland Consumer Debt Collection Act. File complaints with: AG Consumer Protection.
• Short 3-year SOL for all debt types • Collectors must be licensed in Maryland