What Should I Do if I'm Being Sued by a Debt Collector in Maryland?

 Posted on December 19, 2025 in Debt Resolution & Settlement

When you are sued by a debt collector, court papers typically arrive without much explanation. The language is formal, deadlines are short, and the consequences can seem serious from the start. You might be worried about wage garnishment, frozen bank accounts, or added fees before you even understand what the lawsuit means.

As of 2025, Maryland debt collection cases continue to follow strict procedural rules, which makes it important to take the right steps early. If you have been served with a debt collection lawsuit, speaking with a Montgomery County, MD debt settlement lawyer can help you understand your options and decide how to respond.

What Does It Mean When a Debt Collector Files a Lawsuit Against You in Maryland?

When a debt collector files a lawsuit, they are asking the court to order you to pay an alleged debt. The complaint usually lists an amount owed and may include interest, fees, or court costs.

 A lawsuit does not mean the debt is valid or that the collector will win. The collector must prove the debt exists, that you owe it, and that they have the legal right to collect it.

What Happens If I Ignore a Debt Collection Lawsuit in Maryland?

Ignoring a debt collection lawsuit can seriously limit your options. If a response is not filed on time, the court may enter a default judgment, which can make the situation harder to resolve.

 A default judgment may allow the collector to pursue wage garnishment or bank account attachment. Responding to the lawsuit gives you the chance to raise defenses and challenge the claim before that happens.

What Laws Protect Me From Unfair Debt Collection Practices?

Both federal and state laws protect consumers from abusive debt collection tactics. The federal Fair Debt Collection Practices Act, found at 15 U.S.C. § 1692, limits how debt collectors may contact you and what they can say. It prohibits harassment, false statements, and misleading practices.

 Maryland also provides protection under the Maryland Consumer Debt Collection Act, found at Md. Code, Commercial Law § 14-201. This law restricts collectors from enforcing debts they are not legally entitled to collect or using deceptive methods. Violations of these laws can affect the lawsuit and may give you leverage in resolving the case.

Can a Debt Collector Sue Me for an Old Debt in Maryland?

Debt collectors sometimes file lawsuits over old debts, but that does not mean the case is valid. Under Md. Code, Courts and Judicial Proceedings § 5-101, many civil actions in Maryland are subject to a three-year deadline for filing a lawsuit. If the lawsuit was filed after that deadline, you may have a valid statute of limitations defense. However, the court will not apply this defense automatically. It must be raised properly in your response.

What Defenses Can Be Used in a Maryland Debt Collection Lawsuit?

Every case is different, but certain defenses come up often in debt collection cases. These issues frequently determine whether a case can be dismissed or reduced:

• The debt does not belong to you or cannot be properly linked to you.
• The amount claimed is incorrect because of added fees, interest, or missing payments.
• The collector cannot prove it owns the debt or has the right to collect it.
• The statute of limitations has expired, and the debt is no longer enforceable.
• Debt collection laws were violated through harassment or false statements.

What Happens After I Respond to the Debt Lawsuit?

Once you file a response, the case moves forward. This may involve exchanging documents, attending hearings, or discussing settlement options.

 Many debt collection cases never go to trial. Some are dismissed when collectors cannot prove their claims. Others are resolved through negotiated agreements. Having legal representation helps put you in a stronger position throughout the process.

Contact a Prince George’s County, MD Debt Settlement Attorney

At Bloc One Services, LLC, we take a relatable and practical approach to helping people deal with debt problems. We are proud to serve the local community by providing quality legal services at a fair and reasonable price.

 Known by many as "The People’s Attorney," our Montgomery County, MD debt settlement lawyer focuses on real solutions and clear guidance. Call 240-200-0076 to schedule a free 30-minute consult.