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Michigan Collections Questions & Answers
1 Answer | Asked in Collections for Michigan on
Q: What reason would a collections lawyer need a driver's license number and a social security number of the defendant?

Defendant is fully disabled, and only income is social security disability. The case has nothing to do with owning or operating a motor vehicle. An affidavit has already been provided, stating that the defendant has no assets which can be taken to pay an emergency medical bill.

Thomas. R. Morris
Thomas. R. Morris
answered on Apr 7, 2017

That information facilitates a public records search, i.e. a search for assets by differentiating the debtor from another with a similar name.

1 Answer | Asked in Contracts, Collections and Small Claims for Michigan on
Q: What if I can't get to the court in the city where I am being sued?

I'm being sued by a creditor the court is located in their city where I used to live (and where their office is). It is a long hike north for me and currently unfeasible with no way to get up there. What can I do in this situation?

Thomas. R. Morris
Thomas. R. Morris
answered on Feb 28, 2017

The only simple answer to your question is: Hire an attorney. You could also possibly see if the court will allow you to appear at a hearing by telephone. If you need to file a written answer, you can do so by mail.

1 Answer | Asked in Bankruptcy and Collections for Michigan on
Q: I received a summons and complaint today however there are several things that don't seem right on it.

my name looks like a sticky tab over something else( because I have a copy), the case number is wrote in, and the spot where the court clerk is to sign its empty and also is the boxed that's labeled issued (that's next to the summons expires). Also the bottom where it says signature of... View More

Scott Marshall Neuman
Scott Marshall Neuman
answered on Jul 12, 2016

Bring the Summons and Complaint to the court that issued it and asked the clerk if the documents are from an existing file.

1 Answer | Asked in Bankruptcy, Criminal Law, Traffic Tickets and Collections for Michigan on
Q: In need of a pro bono lawyer for 1991 case opened in 2013 in Michigan
Scott Marshall Neuman
Scott Marshall Neuman
answered on Jul 6, 2016

In a criminal case where there is a possibility of jail time, the court, if you are indigent, will provide for you a lawyer.

1 Answer | Asked in Car Accidents, Collections and Traffic Tickets for Michigan on
Q: My license is about to be suspended. I don't have a car, so I can't get a SR-22. I can't pay what I owe. What can I do?

2 years ago I was in a car accident wherein I rear-ended car A which then rear-ended car B. I didn't have car insurance, so I was fined and, since I was at fault, I'm on the hook for a $5,000 claim for car B, a vehicle that was able to drive away from the accident with very little damage... View More

Peter N. Munsing
Peter N. Munsing
answered on Jun 30, 2016

They got a judgment for the 5k so the time to argue it's not merited by the damage etc is over.(make sure it was a judgment).

Baisically, you have to work out a payment. A really good step would be to invest a small amount into getting legal advice from an attorney who handles license suspensions.

1 Answer | Asked in Bankruptcy and Collections for Michigan on
Q: Should I keep with the debt solutions program?

I am currently enrolled in a debt solutions program but I have been starting to receive letter from lawyers regarding my balances. Should I be worried and if so should I consider bankruptcy?

Scott Marshall Neuman
Scott Marshall Neuman
answered on May 20, 2016

Over the past 20 years I have heard this problem several times. The only debt solution program that is guaranteed to work is either a chapter 7 or a chapter 13 bankruptcy. Often times the first several payments sent to many of these debt solution companies end up paying the fees due to the debt... View More

1 Answer | Asked in Bankruptcy and Collections for Michigan on
Q: can you sue someone who is filing for bankruptcy and if so how does the bankruptcy filing affect you ability to collect.
Scott Marshall Neuman
Scott Marshall Neuman
answered on May 20, 2016

There are limited reasons for which one may sue someone in bankruptcy. It is an expensive process and the results are not always successful. In order to sue in bankruptcy one must file an adversarial proceeding within the parameters of both reasons and time restrictions. If one is successful in... View More

1 Answer | Asked in Collections for Michigan on
Q: Lowes is attempting to sue my husband for nonpayment for a hotwater heater we never took delivery on. Should we fight?

We ordered a hot water heater from Lowes Home Improvement then found out it wouldn't work for our house hold. We ended up getting a hot water heater from a different, and more local company. We called to cancel the order, they said it would take several weeks to get our money back. We... View More

David B. Levin
David B. Levin
answered on Sep 14, 2015

It's not clear from your question whether you have in fact been sued or the creditor has simply threatened to file suit. You also don't say whether or not you've discussed the issue with Lowe's and whether they acknowledge that you did not take delivery on the water heater. It... View More

1 Answer | Asked in Collections, Employment Law and Family Law for Michigan on
Q: I was paying cs caught a felony, went to prison sent my worker a letter saying I was in prison. Y do I owe back cs

Long story short I . I send a certified letter saying that I was in prison so why do I have to pay child support for arearagewhen I was locked up and sent certified letter saying I was in prison. I got out got a job and started back paying cs then I found out I was in the arear for 27000$ the... View More

Robert Jason De Groot
Robert Jason De Groot
answered on Sep 9, 2015

You need to hire a family attorney in Alabama and have a full discussion about this. Basically, committing crime and being sent to prison does not diminish your child support obligation. It is considered a voluntary act, a unilateral change in circumstances which does not entitle you to a... View More

1 Answer | Asked in Collections for Michigan on
Q: How do I find out who original debt is owed to when its not on collection letter
Charles Snyderman
Charles Snyderman
answered on May 16, 2014

The Fair Debt Collection Practices Act requires the collector to advise you of the name of the original creditor. Failure to do this in the original communication or within 5 days of the initial communication is a violation. You can certainly write to the collector and ask who the original creditor... View More

1 Answer | Asked in Collections for Michigan on
Q: How do I get an interest in a potential WDMI judgment?

If a part of my divorce judgment says I get 1/2 interest in my ex's federal district suit in Michigan, do I need to file a lien or do I need to get into the suit?

Tracy Torni Gaudenzi
Tracy Torni Gaudenzi
answered on Mar 3, 2014

Place a lien on the court file. Ask your attorney to assist you to notify and confirm that all attorneys involved with the civil suit are aware of the Judgment.

1 Answer | Asked in Collections for Michigan on
Q: Razor Capital received my final payment in January but still haven't filed a satisfaction letter, What are my rights?

I paid the balance of a judgement against me in full back in January 2013. Today I received a Tax Garnishment for the same debt that was paid in full 4 months ago. I've called numerous times about not receiving my Judgement Satisfaction letter. Razor Capital stated the account is paid and... View More

Rachel Lea Hunter
Rachel Lea Hunter
answered on May 6, 2013

Most states have laws addressing this situation. The law usually provides that the creditor must mark the judgment as satisfied within 30, 60 or 90 days of the last payment. If the creditor fails to do so, the debtor writes a letter and demands that they do so. The letter should be sent... View More

1 Answer | Asked in Collections for Michigan on
Q: Is there a statue of limitations on serving a summons and complaint on a credit card i had back in july of 96?
Hillard Fried
Hillard Fried
answered on Jan 10, 2011

In Michigan the statute of limitations for breach of contract is 6 years. If the contract provided for installment payments, and the most recent breach was more than 6 years ago, that breach and all previous breaches are outside of the statute of limitations. Consequently, if the creditor sues you... View More

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