Maryland Statute of Limitations for Debt Collection
In Maryland, the statute of limitations for debt collection is 3 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 3 years from accrual.
- Statute: Md. Code, Cts. & Jud. Proc. § 5-101.
- 3 years for all debt types.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
3 years for all debt types.
General Maryland Rules
Maryland applies a uniform 3-year statute of limitations for most civil claims. The discovery rule is well-established in Maryland and applies broadly to personal injury, medical malpractice, and fraud claims. A 5-year statute of repose applies to medical malpractice.
Other Statutes of Limitations in Maryland
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Maryland?
The statute of limitations for debt collection in Maryland is 3 years. Citation: Md. Code, Cts. & Jud. Proc. § 5-101.
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When does the clock start for debt collection in Maryland?
3 years for all debt types.
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Can the statute of limitations for debt collection be extended in Maryland?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.