Demand that a debt collector provide proof that you owe the debt they are collecting. This template is customized for Michigan residents with relevant state law citations.
Michigan Legal Requirements
Your demand letter should reference Michigan-specific laws including FDCPA.
- FDCPA
- Michigan Collection Practices Act - MCLA 339.901
- Michigan Regulation of Collection Practices Act - MCLA 445.251
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Michigan small claims court or file a complaint with Michigan AG / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Validation Request FAQs for Michigan
What laws protect me in Michigan for debt validation request?
Michigan consumers are protected by FDCPA and Michigan Collection Practices Act - MCLA 339.901. Your demand letter should reference these specific statutes.
What is the small claims limit in Michigan?
The small claims court limit in Michigan is $6,500. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Michigan?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Michigan Demand Letter
Generate a professional debt validation request demand letter tailored for Michigan. Our free tool includes relevant state law citations.
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