MD Utility Debt

Maryland Utility Debt Laws

Everything you need to know about utility 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)

$800

Avg utility debt

25% of disposable earnings or

Garnishment cap

How to Dispute Utility Debt in Maryland

File complaint with state Public Utility Commission

Request billing audit and meter verification

Apply for utility assistance programs (LIHEAP)

Dispute estimated vs actual billing

Challenge reconnection fees if disconnect was improper

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

Utility Debt Tips for Maryland Residents

Utilities must offer payment plans in most states

Estimated billing can be challenged with actual meter reads

Many states ban winter disconnection for heat

Dispute Utility Debt in Maryland

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

Generate Maryland Utility Debt Dispute Letter