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Michigan Collections Legal Questions

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8 legal [2, *]questions have been posted about collections by real users in Michigan. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include debtor and creditor, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Michigan Collections Questions & Legal Answers
Do you have any Michigan Collections questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 8 previously answered Michigan Collections questions.
Collections
Michigan

Recent Legal Answers

What information does a garshenent firm have to disclose to you

Answered 2 years and 4 months ago by attorney Gilbert Borman   |   1 Answer
Gilbert Borman
The short answer is not much there is a court record you can look up you are entitled to a ledger showing how much was paid and how much is owed.
The short answer is not much there is a court record you can look up you are entitled to a ledger showing how much was paid and how much is owed.

Court is trying to garnish me twice for the same debt that's paid in full. How can I go about handling it

Answered 2 years and 7 months ago by Mr. Howard A. Kurtz (Unclaimed Profile)   |   1 Answer
no photo
Thank you for reaching out.  We can only practice within North Carolina and can not provide answers for out of state inquires.  Sincerely,  Kurtz & Blum
Thank you for reaching out.  We can only practice within North Carolina and can not provide answers for out of state... Read Answer

The solar company I bought from has filed chapter 7. If they aren't purchased, what happens with the loan? Am I still responsible?

Answered 3 years and 8 months ago by attorney Gilbert Borman   |   1 Answer
Gilbert Borman
The solar co will send you a notice of whoever picks up the servicing/rights on your loan. As long as you pay them, you are fine and no negatives on your credit, you just honor the deal you made. When rights under a loan change, there is a grace period but do the best you can to be on time   good luck... Read Answer
The solar co will send you a notice of whoever picks up the servicing/rights on your loan. As long as you pay them, you are fine and no negatives on... Read Answer

How do I avoid garnishment from a installment loan that was taken out in 2016? It was recently sold to collection agency.

Answered 4 years and 10 months ago by attorney Gilbert Borman   |   1 Answer
Gilbert Borman
You have several problems: Only one party is entitled to collect on a debt, not two. It is possible the calling might be a violation of the FDCPA (Fair Debt Collections Practices Act). You should speak to a lawyer expert in this area (more information is needed to determine if you have a case). You certainly have a right to file for relief from Garnishment, it requires filing for relief with the court having your financials straight so you can show the judge and opposing counsel your true financial situation. If you have a lawyer, you should speak to them, but you probably need to speak to someone like us who can assess your situation and advise you what makes the most sense in your situation.   Good luck.... Read Answer
You have several problems: Only one party is entitled to collect on a debt, not two. It is possible the calling might be a violation of the FDCPA... Read Answer

husband co-signed student loans and we are being taken to court

Answered 5 years and 3 months ago by attorney J. Allen Fiorletta   |   1 Answer
J. Allen Fiorletta
What is the amount in dispute? Are you being sued or just receiving collection letters? This information would help me goive you better advice as to how to move forward.
What is the amount in dispute? Are you being sued or just receiving collection letters? This information would help me goive you better advice as to... Read Answer

I had received a release of garnishment back in 2018. I just received a letter of garnishment from my employer for the same case number. Legal?

Answered 5 years and 5 months ago by attorney J. Allen Fiorletta   |   1 Answer
J. Allen Fiorletta
If they have a garnishment, that means that they successfully sued you and obtained a judgment against you. They can garnish your wages and/or bank account until the judgment is paid in full. Depending on the amount of the judgment, it may make more sense to use your money to pay off the judgment than to pay a lawyer. How much is the jidgment for?... Read Answer
If they have a garnishment, that means that they successfully sued you and obtained a judgment against you. They can garnish your wages and/or bank... Read Answer

i have a payday loan got a call from a lady threating me lean on my car freeze my account put me in jail,,need help

Answered 13 years and 8 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
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You should consult a local consumer rights attorney to discuss potential violations of the Fair Debt Collections Practices Act, and other violations of state specific consumer protection statutes.  Most consumer rights attorneys offer a free initial consultations to determine what the best course of action is to pursue. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer
You should consult a local consumer rights attorney to discuss potential violations of the Fair Debt Collections Practices Act, and other violations... Read Answer

I have a question I did a payday advance on line they were taking money out of my account I didn''t read the small print I just assumed that they would

Answered 14 years and 5 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
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There is no debtors prisons in the United States; you cannot go to jail simply for owing money. The issue with payday advances is that they typically charge a very high interest rate (sometimes over 300%) so there will be a lot of interest charges. Based on what you are telling me, I would find it very unlikely that you spoke with an attorney; it was most likely a collector pretending to be an attorney. Under the FDCPA, these collection tactics are illegal but the law does not apply to original creditors, such as the payday loan store itself, only to third-party collection agencies. There may be a Michigan state law that applies to original creditors but you will need to contact a local attorney to figure that out.  ... Read Answer
There is no debtors prisons in the United States; you cannot go to jail simply for owing money. The issue with payday advances is that they typically... Read Answer
Collections
Michigan

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