State file — Michigan

Michigan debt collection: the deadlines and limits that decide your case

Every number below names the law it comes from (its statute citation), checked October 18, 2026. Where a number comes from a secondary source instead of the official text, this page says so — double-check it before you rely on it.

How long they have to sue you — credit-card debt6 years · MCL 600.5807(9) From a secondary source — double-check before you rely on it
Six years for an action to recover damages or money due for breach of contract; Michigan does not split written vs. open-account card debt into different periods.
If the clock has run outPaying part of it, or signing a written statement that the debt is yours, can restart it.
MCL 600.5865, 600.5866 From a secondary source — double-check before you rely on it
A barred contract obligation is revived only by an acknowledgment or promise in a writing signed by the party to be charged (§600.5866); separately, a part payment can stop the clock from running / support revival, though the creditor's own endorsement on the instrument is not by itself evidence of payment (§600.5865).
Deadline to answer a lawsuit21 days after service of the summons and complaint in Michigan (28 days if served outside Michigan or by registered mail) · MCR 2.108(A)(1)
Taking your paycheck (wage garnishment)Follows the federal cap. Michigan follows the federal CCPA limit: the lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. Michigan adds no more-protective general wage cap for ordinary consumer judgments.
MCL 408.476; 15 U.S.C. §1673 From a secondary source — double-check before you rely on it
Taking your bank account (a levy)Michigan has no standalone dollar exemption for bank deposits. Money in an account is protected only to the extent it is traceable to exempt sources or fits a §600.6023 exemption category (mostly small, dated caps — e.g., household goods and tools of the trade); the debtor must file objections to a non-periodic garnishment within 14 days of service of the writ or the bank can release the funds.
MCL 600.6023; MCR 3.101 From a secondary source — double-check before you rely on it
Federal benefits deposited directly get an automatic two-month shield everywhere (31 CFR Part 212).
Original creditor calling?Yes — the Michigan Collection Practices Act (Regulation of Collection Practices Act) (MCL 445.251-445.258) applies FDCPA-style rules to original creditors. The Act regulates 'regulated persons,' a definition that expressly includes state and federally chartered banks, savings and loans, and credit unions collecting their own claims and employees collecting for their employer — so original creditors are bound by its prohibited-practices list (§445.252), broader than the FDCPA. Collection agencies are separately licensed under the Occupational Code, MCL 339.901 et seq.
How long a judgment lasts10 years — Renewed by bringing an action on the judgment within the 10-year period; the new judgment is itself subject to a fresh 10-year period. (Distinct from a judgment lien, which lasts 5 years and may be re-recorded once, §600.2809.) · MCL 600.5809(3) From a secondary source — double-check before you rely on it

Run my dates through the free checker

Card agreements often pick another state's law (Delaware for Chase, Bank of America, Discover, Barclays; South Dakota for Citi and Wells Fargo). A court may use the shorter of the two deadlines, under a rule called a borrowing statute — the free checker works out both clocks for you.

Included in the $39 DebtDecoded Kit

  • The letter builder — answer a few questions and it writes your letters: the one that makes them prove the debt is yours, and the one that orders them to stop calling. Wording follows the federal rulebook (Regulation F). Ready to print and mail
  • The old-debt trap worksheet — checks your dates against your state's restart rule before you pay or sign anything, so one small payment can't quietly restart the clock on an old debt (the trap lawyers call 'revival')
  • The call log — counts their calls against the legal line: more than 7 calls in 7 days about one debt counts as harassment (12 CFR 1006.14(b)(2))
  • The 'what they can't take' pack — what a court judgment can and cannot take in your state, including the rule that shields two months of federal benefits sitting in your bank account (31 CFR Part 212)
  • The offer-math worksheet — what a 'deal' really costs once fees and the tax on the written-off part are counted (that tax shows up on Form 1099-C)
  • The complaint walkthrough and the honest directory — who to call instead when a free or better route fits you

One payment. Every stage of the road, and the deadline tables for all 50 states — every number with its law cited. No account, no subscription — and the free checker above stays free whether you buy or not.

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Quick answers

What is the statute of limitations on credit card debt in Michigan?

6 years under MCL 600.5807(9). The clock usually starts at the first missed payment that was never made up. Debt collectors may still call after it runs out, but Regulation F (12 CFR 1006.26(b)) bars them from suing — or threatening to sue — over a debt that is too old (time-barred).

Can paying a little restart the clock in Michigan?

Paying part of it, or signing a written statement that the debt is yours, can restart it. (MCL 600.5865, 600.5866).

How long do I have to answer a debt-collection lawsuit in Michigan?

21 days after service of the summons and complaint in Michigan (28 days if served outside Michigan or by registered mail) (MCR 2.108(A)(1)). Most of these cases are lost by default — by never answering at all.

Can a debt collector garnish my wages in Michigan?

Michigan follows the federal CCPA limit: the lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. Michigan adds no more-protective general wage cap for ordinary consumer judgments. (MCL 408.476; 15 U.S.C. §1673).

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