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All states/Michigan/Utility Debt
MI Utility Debt

Michigan Utility Debt Laws

Everything you need to know about utility 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)

$800

Avg utility debt

25% of disposable earnings

Garnishment cap

How to Dispute Utility Debt in Michigan

1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper

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

Utility Debt Tips for Michigan Residents

Utilities must offer payment plans in most states
Estimated billing can be challenged with actual meter reads
Many states ban winter disconnection for heat

Dispute Utility Debt in Michigan

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

Generate Michigan Utility Debt Dispute Letter