Thursday, June 15, 2017

Michigan is a Self Help Repossession State. What Does That Mean?

According to Steven A. Harms, former senior partner with at Muller, Muller, Richmond, Harms, & Myers, P.C., statistics suggest that if you’re attempting to collect a debt against a consumer’s delinquent account, typically so are five other creditors.

Are you ready for the challenge? 

Repossessions are a common way to collect on debts in Michigan. 
debt collection Michigan

According to the State of Michigan, "self-help" repossessions are governed by Section MCL 440.9609, “the Creditor-Vendor may attempt to physically repossess its security interest as long as there is no breach of the peace. This means that under the statute a Creditor or Vendor may not use conduct or behavior that is oppressive, threatening or confrontational.”

We don’t recommend “self-help” repossessions unless you’re absolutely sure of your rights and responsibilities. Professional debt collectors understand how to comply with the law and stay safe. If you have questions about how repossessions work, we invite you to speak with an experienced debt collector in Michigan. We’re happy to discuss your options! 

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 to speak with a debt collector in Michigan today at (248) 645-2440 for a free no obligation consultation.

Thursday, June 1, 2017

Utilizing Income Tax Refund Garnishments as a Collections Tools

Garnishing a debtor’s income tax refund can be a very effective tool in getting paid. In many cases, garnishing a debtor’s state income tax refund has provided a great return for our clients compared to the effort and dollars invested in other debt collection methods.
debt collection Michigan

According to the Michigan Department of Treasury, “income tax garnishments are on a first filed, first served basis. The earlier you file the better your chance of intercepting the tax refund. This is the reason why filing only one income tax garnishment per defendant works.” 

You don’t want to wait forever to collect on debts that may never receive a judgment to collect! Don’t waste any more time and learn your rights from our debt collectors in Michigan today. If you aren’t getting your invoices paid, it’s time to get an attorney involved.

Time To Hire Debt 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 our Birmingham office today at 248-645-2440 for a resolution to your collection matters! We care about you, and the success of your business.

Monday, May 15, 2017

Writs of Seizure

debt collection attorneys MichiganWhat is a Writ of Seizure?

Is it the best course of action?

Is it worth it?

According to Steven A. Harms, former senior partner with at Muller, Muller, Richmond, Harms, & Myers, P.C., although issuing a Writ to Seize assets is often the first action taken following the entry of a money judgment for a specific amount of money—it really shouldn’t be a knee jerk reaction to collecting the judgment. In fact, it may not be the best course of action at all. The fact of the matter is that there are points along the collection path that require a certain amount of good old fashioned strategy.

Once you have entered your money judgment for a specific amount of damages, and the 21 day appeal period has run, ask yourself: “what is the most effective way to collect this judgment?” That may involve contacting the judgment debtor for collection; using garnishment to tap into property held by third parties; or using the Writ of Seizure to acquire property held by the defendant.

The Muller Law Firm has been a successful collection law firm 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.

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 56 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.

Monday, May 1, 2017

Retail Debt Collection Options in Michigan

debt collection attorneys MichiganDo you own a small or large retail store?

Do you have a hard time getting debtors to pay their credit card balance?

Do you have many accounts that are in default?

In our retail debt collection practices, we frequently utilize the following post-judgment debt collection techniques:

Writs of Garnishment – These can be issued for wages, tax refunds, bank accounts and other sources of income to the consumer/debtor.
 
Writs of Seizure – These can be obtained for property, both personal and real estate. Once we discover what property the debtor has, we’re able to go through the appropriate legal channels to send a court officer to seize and later sell their assets. We find that dispatching a court officer to a debtor’s residence is usually enough to convince them that we’re very serious about collection matters against them.
 
Subpoenas
- Debtors must appear for creditor’s examinations either in court or our office with their tax returns, income documentation, titles to assets, bank account statements, etc. If the debtor fails to appear, we can obtain a bench warrant. Again, many debtors find this technique very serious.

Receivership Orders - A receiver is an individual who "steps into the shoes" of a consumer debtor and/or his business to run his or her affairs. The receiver investigates and collects the assets of the debtor and/or his or her business, converts them into cash, and pays the appropriate funds over to the creditor.


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 56 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.

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.