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All states/Michigan/Credit Card Debt
MI Credit Card Debt

Michigan Credit Card Debt Laws

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

6 years

SOL (open/revolving accounts)

$5,221

Avg credit card debt

25% of disposable earnings

Garnishment cap

How to Dispute Credit Card Debt in Michigan

1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates 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

Credit Card Debt Tips for Michigan Residents

Never acknowledge debt verbally — it can restart the SOL
Debt buyers often lack original documentation
Average SOL is 3-6 years depending on state

Dispute Credit Card Debt in Michigan

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

Generate Michigan Credit Card Debt Dispute Letter