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Home/Attorneys/Stephen M. Hearne
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- Attorneys in Salisbury, | CGMIMM

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105 West Main Street, Salisbury, MD, 21801

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+1-410-860-6606
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105 West Main Street
Salisbury, MD 21801
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Background reading on the practice areas this attorney handles.

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Wage Garnishment Defense in Maryland
Maryland wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Maryland
Maryland consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Maryland
Maryland student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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