Saturday, April 15, 2017

Credit Card Collections in the State of Michigan

Are you having a hard time collecting on credit cards?

Are your debtors hard to track down?

Are you wondering how long you have to claim the money that is rightfully owed to you? Credit card collection cases are considered a breach of contract. You’re supposed to pay the amount charged at a specified date. If a client fails to pay what they owe, the Michigan Legislature revised judicature act of 1961 Sec. 5807 states that:

debt collection Michigan
“No person may bring or maintain any action to recover damages or sums due for breach of contract, or to enforce the specific performance of any contract unless, after the claim first accrued to himself or to someone through whom he claims, he commences the action within the periods of time prescribed by this section.

The period of limitations is 6 years for all other actions to recover damages or sums due for breach of contract.”

If you have multiple accounts that are in breach of contract status, you should speak with an experienced attorney right away! Imagine the peace of mind and financial security that come with the help of an experienced collector. You can cross those old accounts off your ledger and grow your business with access to more of your money.

Why Choose Muller Law Firm?


We’ve been in the collection business for over 56 years, and we’re based right here in Michigan. When you call the Muller Law Firm, your initial consultation and strategy meeting are FREE! We don’t think you should have to pay just to be informed of your rights. Do you?

We want to make sure you’re well educated and comfortable before we take any further steps. If you’d like to speak to one of our expert attorneys about debt collection in Michigan, give us a call at 248-645-2440. Stand up for your rights as a business owner, and get what you’re owed!

Saturday, April 1, 2017

Bad Check Laws in Michigan!

Are your clients writing bad checks?

Are you having a hard time balancing your books?

Do you need a collection attorney to go after your bad checks?

Did you know that in the state of Michigan, writing a bad check greater than $50 is a felony? Also, that any check that bounces less than $50 is considered a misdemeanor in the state?
debt collection attorneys Michigan

In addition to criminal fines and penalties, the check writer may be forced to cover civil damages. Since the Michigan law was last changed, the state now allows the victim to sue for damages. The victim must first request a payment from the offender by a set due date. If the offender neglects to pay reparations, the victim can sue for the entire amount of damages and the original bad check. Damages can include as much as double the amount of the original check.

For criminal penalties, a debtor may have to pay up to $250 in fines and serve six months in jail or pay a $500 fine and serve one year in jail depending on the severity of the offense.

If it turns out you need help collecting from your debtors, know that help isn’t far away! At Muller Law Firm we can help you strategize, and get results!

Call An Experienced Debt Collection Attorney in Michigan Now!


If you’re a business owner, you may decide that having a debt collection law firm work on your unpaid invoices is your best choice. That’s an area we specialize in, and we’re happy to discuss your options.

The law firm of Muller, Muller, Richmond, Harms & Myers, P.C., has successfully represented and handled collection matters for more than 55 years. Our attorneys know how to get results for our clients and they’re dedicated to getting a satisfactory outcome. Contact our debt collection attorneys in Michigan today at (248) 645-2440 for a free no obligation consultation.

Wednesday, March 15, 2017

Michigan Healthcare Collections

Are your patients failing to pay their medical bills?

Do you have multiple accounts that need attention?

Are your payment reminders not working out?
bill collectors Michigan

Don’t let the stress of trying to contact and get results weigh you down any longer! Let our team of experienced bill collectors in Michigan do the hard work for you. You work hard and deserve to be compensated for your services. If you aren’t getting your invoices paid, it’s time to get an attorney involved.

When medical bills can be turned over to collections:

  • Late payments - even by one day - you may be able to send the account to collections. There’s no federal law that stops a medical provider from turning an unpaid account over to collections just because a patient is making payments.  
  • If a patient has not paid a bill because they’re disputing it, or if they’re waiting for their insurance company to pay it.
     

Time To Hire Bill Collectors in Michigan?


When you hire one of our expert attorneys, you can be sure that we will work hard to get the results you expect, and do it in an ethical, timely manner. We will aggressively seek what’s owed to you.

Contact us our Grand Rapids office today at 616-454-4401 for a resolution to your medical collection matters! We care about you, and the success of your business.

Wednesday, March 1, 2017

Business to Business Debt Collection

Has a business deal gone bad?

Are you having a hard time tracking down debtors after a payment is late?

Are you looking to file a lawsuit against a business partner?

At Muller, Muller, Richmond, Harms, & Myers, P.C., we can help you! When you hire our collection firm to handle your debt collection case, you’ll be working with established legal collectors.
debt collection Michigan

To successfully obtain a judgment, you must confirm that the debt is valid and accurate by presenting evidence in court. Types of evidence can include:

  • Contracts signed by both parties agreeing to the payments.
  • Canceled checks of previous payments.
  • Emails that indicate concession of a debt.
  • Purchase orders showing the amount owed.
  • Invoices previously submitted for the debt.
  • Account statements showing payment history or lack thereof.
  • Any other relevant documents that demonstrate the existence and nature of the debt.

The Muller Law Firm has been a successful legal collection company in Michigan for more than 56 years. This is possible because our experienced and qualified attorneys work hard to get results for you. Not only do we listen to our clients concerns, but we also help each of our clients figure out an effective strategy to collect their receivables.

Imagine not having to worry about going after debtors yourself. You’ll have more time to focus on other important parts of your business! 

File For Debt Collection in Michigan Today!


If you’re a business owner, you may decide that having a debt collection law firm work on your unpaid invoices is your best choice. That’s an area we specialize in, and we’re happy to discuss your options.

The law firm of Muller, Muller, Richmond, Harms & Myers, P.C., has successfully represented and handled collection matters for more than 56 years. Our attorneys know how to get results for our clients and they are dedicated to getting a satisfactory outcome. Contact our firm for debt collection in Michigan today at (248) 645-2440 for a free no obligation consultation.

Tuesday, February 14, 2017

Enforcing Your Rights and Recognizing the Enforceability of Certain Clauses

Searching for the best way to enforce your right to be paid? Have a contract you need enforced? Wondering if certain parts of your contract might not hold up?

As a creditor, you can get into a difficult situation where a debtor is late on payments or even refusing to pay. As expert providers of debt collection in Michigan, we understand your frustration and believe you should know your rights when it comes to enforcing a contract.

If you have a contract with debtor, written or verbal, you have the right to be paid. When payments become an issue, you can pursue a legal judgment against your debtor and have the courts back up your claim to the owed money. With a judgment on your side, you have several options to pursue payment:

  1. Wage Attachments- Federal law allows a creditor to take up 25% of a debtor’s net earnings directly from a paycheck. Other rules may apply, and you can’t take as much that the debtor cannot support his or her family, but it is a very effective method.
  2. Property Liens- If the debtor has real property, like a house or land, a creditor can apply a lien which impacts a sale. When the debtor moves to sell the property, all parties involved are aware the creditor will need to be paid before the debtor receives any money from the sale. Once a lien is applied, a creditor can also repossess the property.
  3. Property Levy- A levy is similar to a lien, but applied to personal property, such as a car, motorcycle as well as personal assets, guns or a coin collection. When a levy is applied to a property the creditor has legally claimed a right to be paid with any money earned from a sale of the item, or the item can be repossessed and sold at a public auction.

These are only a few examples of ways to enforce a judgment or a creditor’s right to be paid. But, creditors should also know that simply because it’s written in a contract and agreed upon by both parties with a signature does not mean a clause will be enforced by the courts.

For example, any clause which negatively impacts a person’s basic rights will not be enforced by the court. Clauses that contradict state or federal laws are also unenforceable in most cases.

If you’re wondering how to proceed to enforce your rights as a creditor, contact the debt collection experts at MMRHM, P.C. We can legally represent you in any collection case and take some of the stress off your shoulders.  Give us a call today.

Wednesday, February 1, 2017

What is the Difference between Debt Settlement and Debt Consolidation?

Have you been waiting years for an overdue account to be settled? Are you ready to move on from sending yet another invoice stamped “late”? Looking for information on what may be coming next?

As a creditor, you should know people who owe you money and are struggling with other debt may pursue settlement or consolidation. You also need to know what these options mean for you.

debt collection MichiganDebt Consolidation involves moving all debt into a single account with a lower payment and more relaxed interest rate. It’s a safe and manageable option for many people feeling the pressure of multiple, high interest payments.

In a consolidation scenario, the debtor may eventually pay the entirety of their debt over several years, but end up paying less overall due to lower or no interest. A debtor may choose a debt consolidation service, or take out a loan to cover all of their debt. In either case, the result is very similar.

What do you need to know about debt consolidation as a creditor?


You could  receive the full amount owed on an account to settle the matter at once. Although you’d benefit from interest with drawn-out payments, the lump sum cash flow is a significant benefit to your company and marking the account closed will be satisfying.

Debt Settlement involves creditor and debtor negotiating a lump sum payment to close the account for significantly less than what is owed. This negotiation can occur directly between the two parties, or through a settlement company.

Settlement can seem like a good option for anyone having a hard time making payments on multiple accounts. However, it can be a long process for the debtor and take a huge bite out of a healthy credit score.

What do you need to know about debt settlement as a creditor?


A settlement offer might seem like an unfair deal for the creditor. But if the potential alternative is nothing, it’s worth thinking over the offer. The lump sum cash flow does have its appeal, too.

If you receive a settlement offer directly from a debtor, check the credit history to assess the status of other accounts. If your account is the only one the debtor has not been keeping up with, you might reject their offer or counter-offer.

When a settlement company makes an offer, know your debtor has been paying into it for months, trying to come up with as much as they can. That doesn’t mean you have to accept the offer, but it’s something to consider.

If you’re unsure what options are best for your company, reach out to MMRHM, P.C. for debt collection in Michigan. We can advise you on any offers you receive, how to proceed on delinquent accounts, and represent you in any other way you need.

Sunday, January 15, 2017

Can I Get the Debtor to Pay My Attorney Fees if I Have to Hire an Attorney to Collect My Debt?

Is taking people to court costing you an arm and a leg?

Do you want to collect on attorney fees and interest?

Do you have many delinquent accounts that are causing you anxiety and stress?

Here’s what you need to know:

According to Courts.Mi.gov on attorneys fees, Michigan follows “what is commonly referred to as the ‘American rule’ with regard to awards of attorney fees. As a result, attorney fees are generally only recoverable as provided by specific statute, court rule, common-law exception, or contract.”

If you want to learn more about collection on attorney fees, visit our website for debt collection in Michigan for more information!

Why Choose Muller Law Firm?


We’ve been in the collection business for over 55 years, and we’re based right here in Michigan. When you call the Muller Law Firm, your initial consultation and strategy meeting are FREE! We don’t think you should have to pay just to be informed of your rights. Do you?

We want to make sure you’re well educated and comfortable before we take any further steps. If you’d like to speak to one of our expert attorneys about debt collection in Michigan, give us a call at 248-645-2440. Stand up for your rights as a business owner, and get what you’re owed!