Debt collection can be overwhelming and stressful, especially if you’re unsure about your rights as a consumer in Michigan. Understanding the limitations placed on debt collectors under Michigan law can help you protect yourself from unlawful practices and harassment.
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FAQs About Debt Collection in Michigan
Can a Debt Collector Sue You After the Statute of Limitations Expires?
No, creditors cannot sue you for a debt after the statute of limitations expires. However, they can continue attempting to collect the debt unless you dispute it.
What Should You Do if a Debt Collector Violates Your Rights?
If a collector violates your rights, document the incident and file a complaint with the Michigan Attorney General or CFPB. Consult an attorney to discuss filing a lawsuit for damages.
Are Medical Bills Included in Debt Collection Efforts in Michigan?
Yes, medical bills are included, but they are subject to the same rules and limitations as other debts, including the six-year statute of limitations.
Can a Debt Collector Garnish My Wages in Michigan Without a Court Order?
No, a debt collector cannot garnish your wages in Michigan without first obtaining a court order. Wage garnishment is only permitted after a creditor files a lawsuit, wins a judgment, and receives a garnishment order.
What Is a Debt Validation Letter, and Why Is It Important?
A debt validation letter is a written notice from a debt collector that verifies the details of a debt, including the amount owed and the original creditor. It ensures that the debt is legitimate and that the collector has the legal right to collect it.
Can You Stop a Debt Collector From Contacting You in Michigan?
Yes, you can stop a debt collector from contacting you by sending a written cease-and-desist letter. Under the Fair Debt Collection Practices Act (FDCPA), the collector must stop communication except to notify you of specific actions, such as a lawsuit.