Your Rights and Creditor Harassment in Michigan

Michigan Creditor Harassment

Dealing with debt can be overwhelming, but facing constant harassment from creditors can make the situation even more stressful. The average debt per resident in Michigan in 2023 was $77,903. [1]

If you’re a Michigan resident struggling with aggressive debt collection practices, you have legal protections. No one should have to endure harassment or abuse from creditors, and understanding your rights is the first step in regaining control of your financial situation.

In Michigan, both state and federal laws protect consumers from unfair debt collection tactics. If you’re being bombarded with phone calls, threatening letters, or other forms of harassment, you don’t have to suffer in silence. This blog will help you understand your rights and provide practical steps you can take to stop creditor harassment and protect yourself legally.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a fundamental federal law designed to protect consumers from abusive debt collection practices. It applies specifically to third-party debt collectors (those hired by the original creditor), not the creditor itself. Understanding the FDCPA can help you recognize when a collector has crossed the line. Key rights under the FDCPA include:

If a creditor or debt collector violates any of these provisions, you can take legal action. This might include filing a complaint with the Consumer Financial Protection Bureau (CFPB), your state’s attorney general, or even suing the collector for damages. Understanding these rights helps you stay empowered, and prevents you from being a target of illegal or unfair debt collection practices.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

Michigan's Debt Collection Laws

In addition to federal protections, Michigan has laws that protect consumers from abusive debt collection practices. The Michigan Consumer Protection Act (MCPA) and other state laws provide extra safeguards:

Michigan’s laws provide important protections against aggressive debt collection tactics, and if your rights are violated, you can file complaints with the Michigan Attorney General’s Office or take legal action. These state laws work alongside federal protections to help you fight back against unfair debt collection practices.

Steps to Take if You're Facing Creditor Harassment in Michigan

If you’re being harassed by creditors, there are clear steps you can take to protect yourself and stop the abuse. Here’s what you can do:

The law is on your side—don’t be afraid to assert your rights.

What to Do About Creditor Harassment Following an Automatic Stay in Michigan

If you’ve filed for bankruptcy, an automatic stay goes into effect immediately, which legally halts most creditor actions, including harassment. However, there are situations where creditors might still try to contact you, even after an automatic stay is in place.

Here’s what you can do if this happens:

What to Do If You Are Sued for Debt in Michigan

If you’ve been sued over a debt in Michigan, take the situation seriously but remain calm. Here’s what to do:

If you are sued for debt, take immediate action. Ignoring the situation can make things worse. You have legal rights in Michigan, and seeking professional bankruptcy help can provide the guidance you need to resolve the matter fairly.

What to Do If You Are Sued for Debt in Michigan

Facing creditor harassment in Michigan? Contact Frego & Associates today to protect your rights and put an end to the stress.

Source:

[1] Streaks, J. (2025, January 6). Average American debt: Household debt statistics. Business Insider. https://www.businessinsider.com/personal-finance/credit-score/average-american-debt

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