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Michigan/Second Round Sub/Medical Debt

Dispute Second Round Sub Medical Debt in Michigan

Second Round Sub is collecting medical debt in Michigan where the statute of limitations is 6 years. Average medical debt: $2,459. Garnishment limit: 25% of disposable earnings.

6 years

Statute of Limitations

$2,459

Average Medical Debt

25% of disposable ea

Garnishment Limit

Known Second Round Sub Violations

  • Collecting debts they cannot substantiate
  • Failing to cease collection after dispute
  • Inaccurate credit bureau reporting

Dispute Strategies

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

Michigan Protections

Michigan Collection Practices Act (MCPA). File complaints with: AG Consumer Protection.

  • • MCPA provides additional protections beyond FDCPA
  • • Minimum $250 per violation
Michigan LawsSecond Round SubMedical Debt
Dispute Now — $9.99/mo