Demand removal of inaccurate information from your credit report. This template is customized for Maryland residents with relevant state law citations.
Maryland Legal Requirements
Your demand letter should reference Maryland-specific laws including FDCPA.
- FDCPA
- Maryland Consumer Debt Collection Act - Md. Com. Law § 14-201
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Maryland small claims court or file a complaint with Maryland OCFR / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Credit Report Error Dispute FAQs for Maryland
What laws protect me in Maryland for credit report error dispute?
Maryland consumers are protected by FDCPA and Maryland Consumer Debt Collection Act - Md. Com. Law § 14-201. Your demand letter should reference these specific statutes.
What is the small claims limit in Maryland?
The small claims court limit in Maryland is $5,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Maryland?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Maryland Demand Letter
Generate a professional credit report error dispute demand letter tailored for Maryland. Our free tool includes relevant state law citations.
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