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All states/Michigan/Auto Loan Debt
MI Auto Loan Debt

Michigan Auto Loan Debt Laws

Everything you need to know about auto loan debt in Michigan: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (written contracts)

$23,792

Avg auto loan debt

25% of disposable earnings

Garnishment cap

How to Dispute Auto Loan Debt in Michigan

1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA

Michigan State Law

Michigan Collection Practices Act (MCPA)

File complaints: AG Consumer Protection

Relevant Federal Laws

  • FDCPA (15 USC 1692)
  • FCRA (15 USC 1681)
  • FTC Act 5
  • CFPB Reg F

Michigan Consumer Protections

MCPA provides additional protections beyond FDCPA
Minimum $250 per violation

Auto Loan Debt Tips for Michigan Residents

Lenders must sell repossessed vehicles at commercially reasonable price
Many states require advance notice before repossession
Deficiency balance collectors must validate under FDCPA

Dispute Auto Loan Debt in Michigan

DebtShield generates AI dispute letters that cite Michigan law (Michigan Collection Practices Act (MCPA)) and federal FDCPA protections.

Generate Michigan Auto Loan Debt Dispute Letter