The statute of limitations in Maryland for debts is 3 years based on contract, unless the contract is signed under seal, then it would be subject to 12 year statute of limitations. That can be "circumvented" if you reaffirmed the debt. If they sue you, then you would be able to use statute of limiations as an affirmative defense. Seek counsel if you are sued on the debt.
This is not legal advice nor does it create an attorney-client relationship. This is for education and informational purposes only. It is always recommended that you contact an attorney with any concerns as each individual case is unique.
Statute of Limitations deals with a time the creditor/collector has to file a lawsuit or forever be barred from doing so. However, the collector may use other methods such as calling the debtor or sending letters to attempt to collect the debt. However, without a threat of lawsuit, the collector cannot really do anything to the debtor. So, the debtor should just ignore the collector's calls and letters, but must respond to any lawsuit filed by the collector to plead the running of the Statute of Limitations as an Affirmative Defense and ask that the lawsuit be dismissed. Please note that the Statute of Limitations on the debt would restart if the debtor pays any amount on the debt.
My answers here are for general information only and should not be construed to be formal legal advice or the formation of an Attorney-Client relationship. I am not your Attorney. You should always consult with a local Attorney before taking any action based on the general information provided by me on this site. I practice law only in jurisdictions I am properly authorized to do so and do not seek to represent anyone outside the jurisdictions where I have been licensed to practice law. Currently, I am licensed to practice law in the Commonwealth of Massachusetts and the State of New York.
Don't acknowledge debt and and send a nickel. This is probably a scam from out of town collector and they are not filing suit.
This is not to be considered legal advise and no attorney client has been established.
The statute of limitations is three years to collect a debt in Maryland, but the time will restart from date of last payment or date you "acknowledge" that you owe the debt. If this debt was reduced to a court judgment, then in Maryland the judgment may be collected for up to 12 years, and that period can be extended for another 12 years if the creditor filed to extend the judgment before the first 12 year period expires. You can go onto the Maryland Judiciary Case Search online system and run your name for all cases against you. Google the site.
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