Sued for Debt in Maryland? We Can Help
Our attorneys negotiate with debt collectors in Maryland to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 30 Days
You have 30 days from the date you are served to file your Answer with the Maryland court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Maryland
| Debt Type | Years |
|---|---|
| Credit Card | 3 |
| Medical Debt | 3 |
| Auto Loan / Deficiency | 3 |
| Personal Loan | 3 |
| Written Contract | 3 |
| Oral Contract | 3 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Maryland
Wage garnishment is allowed — up to 25% of disposable earnings
Greater of 75% of disposable wages or 30x federal minimum wage exempt. Caroline, Kent, Queen Anne's, and Worcester counties: $145/week minimum exempt.
Court System in Maryland
District court handles cases up to $30,000. Circuit court for larger amounts.
Filing fees: $35-$300
Maryland Consumer Protection Law
Maryland Consumer Debt Collection Act / Maryland Consumer Protection Act
In addition to the federal FDCPA, Maryland has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Maryland Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Maryland clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 30 days to respond to the lawsuit in Maryland. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Maryland
How long to respond in Maryland?
30 days from service.
What is the SOL in Maryland?
3 years for all contract types. This is one of the shortest in the country.
Does Maryland have its own collection law?
Yes. The Maryland Consumer Debt Collection Act provides additional protections beyond the federal FDCPA.
Can wages be garnished?
Yes. 25% of disposable earnings, with minimum weekly exemptions varying by county.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Maryland Debt
Our attorneys negotiate with collectors in Maryland to reduce what you owe. Free consultation — contact us today.
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