Michigan Statute of Limitations on Debt Collection
Many consumers in the state of Michigan are dealing with unpaid
bills, and piling up debt. When debts go unpaid for a long
period of time, creditors may decide to institute a lawsuit against
the consumer so that the creditor can obtain a judgment. A
judgment provides the ability to collect money involuntarily
through wage garnishments or seizures of bank accounts or other
In most cases, creditors that are owed money will file a lawsuit
for a breach of contract. The statute of limitations, or the
period of time within which legal action may be brought, in
Michigan for a breach of contract is 6 years (MCL
Once the creditor is successful in this lawsuit (which the
consumer has the right to defend) the creditor has a
"judgment." A judgment can be collected on for as long as 10
years from the date the judgment was entered. A debtor must
be aware that judgments may be renewed by action on the collector's
behalf for an additional 10 years (MCL.600.5809(3)).
NOTE: Another state's limitation period may apply check statutes
Have more questions about Michigan Statue of Limitations?
SmithMarco, P.C. can help. Call 888-822-1777 or contact us here for a free consultation.