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All states/Michigan/Medical Debt
MI Medical Debt

Michigan Medical Debt Laws

Everything you need to know about medical 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)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Michigan

1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely

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

Medical Debt Tips for Michigan Residents

ALWAYS get an itemized bill before paying
Nonprofit hospitals must offer financial assistance
Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Michigan

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

Generate Michigan Medical Debt Dispute Letter