But generally, you have two courses of action. 1) Filing for an Exemption Can Help. Under Maryland law, you can file an injunction for exemption relief under certain circumstances to protect or “exempt” some or all of your wages. 2) Bankruptcy Can Stop Wage Garnishment in Maryland. 3) Recovering Garnishments.
Maryland is a consumer-friendly state. The statute of limitations allows a creditor three years to collect on debts. That's a shorter timeframe than many states.
West's Annotated Code of MarylandMaryland RulesEffective: April 1, 2022. (a) Generally. On motion of any party filed within 30 days after entry of judgment, the court may exercise revisory power and control over the judgment and may take any action that it could have taken under Rule 3-534.
Dear (Creditor's Name), I am writing to formally request the cessation of wage garnishment related to my account number (Your Account Number). Due to (briefly explain your situation, eg, ``a recent job loss'' or ``significant financial hardship''), I am unable to meet my current financial obligations.
A garnishee can oppose the garnishment by filing a motion with the court. Additionally, if the garnishee files an answer and no further filing is made regarding the writ of garnishment within 120 days, the garnishee can file a notice of intent to terminate the writ of garnishment.
You can challenge a garnishment if some of your income is exempt from being garnished. Exempt income can include Social Security, unemployment, and retirement benefits. You can also challenge a garnishment if your income is already being garnished by another creditor.
A garnishee can oppose the garnishment by filing a motion with the court. Additionally, if the garnishee files an answer and no further filing is made regarding the writ of garnishment within 120 days, the garnishee can file a notice of intent to terminate the writ of garnishment.
Someone else, 18 years or older, who is not involved in the case, must serve the defendant. There are three ways to serve someone: by certified mail, by sheriff or constable, or by private process.
In Maryland, for most civil actions you have a period of three years after the act which caused you the harm to file a lawsuit. However, by law some types of cases have a different limitation period. For example, the limitation period for assault, libel, or slander is one year.