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Specialty Collection

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Credit Report Laws in my state question?

Question:

MARYLAND

INTEREST RATE

Legal: 6%

Judgment: 10% or contractual

STATUTE OF LIMITATIONS (IN YEARS)

Open Acct.: 3

UCC: 4

Specialty: 12 (contract under seal)

Written Contract: 3

Domestic Judgment: 12

Foreign Judgment: 12

BAD CHECK LAWS (CIVIL PENALTY)

After 30 day written notice, amount due,

$25 fee, twice check amount up to $1000. (At the discretion of the court.) Applies to COD sales only.

GENERAL GARNISHMENT EXEMPTIONS

Greater of 75% or amount = to $145 x no. of wks. in which wages due were earned; except in Caroline, Worchester, Kent & Queen Anne's Counties, see federal law. Exemption is up to $3,000 in cash and/or property for non-wage property exemption.

COLLECTION AGENCY BOND & LICENSE

Bond: $5000

License: Yes

Fee: $200 each office

Does this mean that after 3 years I can have negitive accounts like credit cards removed from my credit?

Answer:

Sorry to say but state statutes do not apply to what the credit reporting agencies use as federal guidlines. They fall under the FCRA (Fair Credit Reporting Act).

Your state statues simply mean that in regards to credit cards, if you default, they have 3 years to seek legal action in a civil court to obtain a writ of garnishment on your wages or a Writ of Replevin which is a court document authorizing repossession of a debtor's property. Only a few states allow for this practice though.

As to your credit report the FCRA guidlines are as follows:

Inquiries - Two years.
Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually.
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. If a payment was due on an account on January 1, 2000, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven year reporting time limit starts running on July 1, 2000, with the item scheduled to expire from his/her credit reports on July 1, 2007.
Collection Accounts - Seven years. The running of this time limit is the same as with charge-offs. The date of delinquency still refers to the original delinquency with the original creditor, regardless of when the collection agency began working the debt. This includes debts that have been bought by a collection agency. Collection agencies cannot legitimately "re-set the clock."
Lawsuits And Judgments - Seven years or until the governing statute of limitations has expired, whichever is longer.
Bankruptcy (Chapter 7) - Ten years (from the date of entry of the order for relief or the date of adjudication.
Bankruptcy (Chapter 13) - Seven years.
Paid Tax Liens - Seven years from the date of payment.

Hope this answer is of help to you
LEGAL DISCLAIMER: The answer provided here is intended for informational purposes only. It is not intended nor presumed to be legal counsel or professional legal advice

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Invicta 1680 Men's Specialty Collection Carbon Fiber Dial Chronograph $102.51 Invicta 1680 Men's Specialty Collection Carbon Fiber Dial Chronograph features a 44mm wide by 13mm thick black plated stainless steel case with screw down case back and weighs 3.2 oz. It is powered by an accurate Japanese quartz movement. Invicta 1680 features a black carbon fiber dial with rose gold hands and markers, date display, luminous hands and markers, chronograph function, push and pull crown, and is water resistant to 100 meters. Invicta 1680 is equipped with a 22mm wide black rubber strap and can fit up to an 8 1/2 inch wrist. Invicta 1680 is backed by Invicta's one year factory warranty. Material: Black Plated SS Dial Color: Black Movement: Japanese Quartz Display: Analog Chronograph: Chronograph Power: Battery Case Diameter: 44 Fastener: Buckle

Invicta 1683 Men's Specialty Collection Black Dial Rubber Strap Chronograph $102.56 Collectively matching anyone's style, this classy Invicta, with its cool, bold design, will elegantly go with any outfit. INVICTA 1683 FEATURES: Series: Specialty, Style: Chronograph, Gender: Men's, Case: Black ion plated stainless steel, Dial Color: Black textured, Hands: Silver tone and luminous, Markers: Silver tone and luminous indices, Strap: Black polyurethane, Clasp Type: Buckle, Movement: Japanese chronograph quartz, Crystal: Flame-Fusion, Case Diameter: 44 mm, Case Thickness: 13 mm, Water Resistant: 10 ATM/100 meters/330 feet, Calendar: Date display at 3:00, Subdials: Black 60 second, 60 minute and 1/10 second, Strap Width: 21 mm, Strap Length: Up to 9 inches, Case Back: Screw-down, Crown: Push/pull, Material: Polyurethane Material: Black Plated SS Dial Color: Red Movement: Japanese Quartz Display: Analog Chronograph: Chronograph Power: Battery Case Diameter: 44 Fastener: Buckle

Ka-Zoo Specialty Silhouettes 12x12 Die-Cut Paper Pack - Limited Time 20% Off Sale! Price shown reflects discount. $7.29 Part of the Ka-Zoo Collection. This package contains (6) 12" x 12" die-cut Specialty Silhouettes: 2 each of 3 designs (2 flat designs and 1 glitter coated).

Fiskars Specialty Scissors with Magnet $9.99 0% 1 1 Each 12-38637097 8" Length 8" Specialty Scissors come with built-in magnet in the handle. Includes a comfort grip. Chrome Fiskars Fiskars Corporation Lime Green No Scissors Specialty Scissors with Magnet www.fiskarsbrands.com

SEBO 6047AM Air Belt Specialty Replacement $14.99 SEBO 6047AM Air Belt Specialty Replacement

Invicta Men's 0355 Specialty Collection Swiss Chrono Terra Retro Military Watch $89.95 Chronograph Military collection Gunmetal Stainless steel case Brown leather-backed strap Luminous hands and hour markers Day month and date display Tachymeter along the inner bezel Scratch resistant Flame Fusion crystal Water resistant to 100m Style: Casual Material: Rubber Display: Analog Color: Multi-Color Gender: Men

Specialty Music Productions Delta Blues Guitar DVD $13.49 Specialty Music Productions Delta Blues Guitar DVD