Everything you need to know about utility debt in Michigan: the statute of limitations is 6 years, garnishment is capped at 25% of disposable earnings, and 2 state-specific protections apply to your case.
6 years
Statute of limitations (open/revolving accounts)
$800
Avg. utility debt in US
25% of disposable earnings
Garnishment limit
In Michigan, utility debt falls under open/revolving accounts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Michigan law.
Credit/Open
6 years
Written
6 years
Oral
6 years
These strategies combine federal FDCPA protections with Michigan-specific laws like the Michigan Collection Practices Act (MCPA).
In Michigan, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for utility debt in Michigan, garnishment is limited to: 25% of disposable earnings.
Michigan Collection Practices Act (MCPA)
File complaints: AG Consumer Protection
These Michigan-specific protections apply to your utility debt case:
All Michigan Debt Laws
SOL, garnishment, protections for all debt types
Utility Debt Dispute Guide
Strategies, laws, and tips nationwide
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