Sued for Debt in Michigan? We Can Help
Our attorneys negotiate with debt collectors in Michigan to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 21 Days
You have 21 days from the date you are served to file your Answer with the Michigan court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Michigan
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Michigan
Wage garnishment is allowed — up to 25% of disposable earnings
Greater of 75% of disposable earnings or 30x federal minimum wage exempt.
Court System in Michigan
Small claims limit $6,500. District court up to $25,000. Circuit court for larger amounts.
Filing fees: $50-$260
Michigan Consumer Protection Law
Michigan Collection Practices Act / Michigan Consumer Protection Act
In addition to the federal FDCPA, Michigan has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Michigan Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Michigan clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 21 days to respond to the lawsuit in Michigan. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Michigan
How long to respond in Michigan?
21 days from service to file your Answer.
What is the SOL in Michigan?
6 years for all contract types.
Does Michigan have its own debt collection law?
Yes. The Michigan Collection Practices Act provides additional protections for consumers.
Can wages be garnished in Michigan?
Yes. Federal limits apply.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Michigan Debt
Our attorneys negotiate with collectors in Michigan to reduce what you owe. Free consultation — contact us today.
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