Monday, August 14, 2017

What You’re Missing in Your Demand Letter!

Are you getting poor results from your demand letters?

Are you frustrated with your collections?

Have you tried escalating your approach?

Your notices should become increasingly more stern. Are you being too nice? Your debtor may think they can get away with not paying if your wording doesn’t convey a serious message!  
debt collection Michigan

According to the Credit & Collections Kit for Dummies, written by Steven A. Harms, former senior partner at Muller, Muller, Richmond, Harms, & Myers, P.C., “Your earlier positive language (‘We assume your have forgotten to pay…’) should become more negative. For example, (“Your credit privileges are being suspended, Interest is being charged, and we’ll use stronger collection measures”).

Your next forceful letter should include actions you intend to take to collect:

  1. Terminating customer’s account
  2. Adding additional charges
  3. Placing the matter in collections


Never underestimate the power of a phone call! Don’t hesitate to pick up your phone the minute an account becomes delinquent. Imagine how much time and money you might have saved if you’d have made a call first!

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 lawyer about your needs for debt collection in Michigan today at (248) 645-2440 for a free no obligation consultation.



Monday, July 31, 2017

Need to Enforce or Renew a Judgment?

Are you having a hard time collecting payment from your debtors?

How can you enforce a judgement?

Are you allowed to renew your claim?

According to the Credit & Collections Kit for Dummies, written by Steven A. Harms, former senior partner at Muller, Muller, Richmond, Harms, & Myers, P.C., “a lot of people believe that if they get a judgment from the court, their debtor must promptly pay you in full. In many cases, it isn’t over by a long shot.”

Watch out for debtors who try to persuade you to set aside your hard-earned judgment in exchange for a written promise to pay the balance. They probably have no intention to pay back what’s owed. You’re going to have to work much harder to get paid, perhaps including obtaining a writ of seizure, seizing their assets and selling them off to bank the proceeds.

Debtor Still Hasn’t Paid? How Do You Renew a Debt?


The easiest way to renew a debt is to obtain a partial payment on the account before the statute of limitations run out. In Michigan, a partial payment starts the statute all over again as of the date of payment. For example, if the statute of limitations is four years, if three years and eleven months have passed and you convince a debtor to make a payment on the account, the payment starts the time to sue all over again. You have four more years to sue for the debt! Great loophole! 

Not sure where to start in your debt collection process? Contact an experienced attorney for debt collection in Michigan today. At Muller, Muller, Richmond, Harms & Myers, P.C., we can help you reach your business goals!

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 lawyer about your needs for debt collection in Michigan today at (248) 645-2440 for a free no obligation consultation.


Saturday, July 15, 2017

How to Negotiate a Payment Agreement!

Are you having trouble negotiating a payment agreement?

Does setting up a payment plan make sense?

Is your case becoming too difficult or too time consuming to handle yourself?

The key to negotiating a payment agreement is to ensure that things work out for both parties involved. However, just because your debtor agrees to pay doesn’t mean that they won’t need plenty of hand holding along the way. Remind your debtor to honor the deal!
debt collection attorneys Michigan

According to Steven A. Harms, former senior partner with at Muller, Muller, Richmond, Harms, & Myers, P.C., “After you set up a plan where the debtor is to pay off the account in installments, you should closely monitor the account, watching for any sign that the debtor is falling behind again. After the payment plan is in effect, remind the debtor that you expect all installments to be paid on time.”

Ensure payments arrive on time by:

  • Sending statements to your debtor in advance of each payment due date.
  • Place reminder telephone calls.
  • Call a debt collection attorney in Michigan to step up to your A game!


Let the debt collection attorneys in Michigan help you negotiate payment terms. 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 Experienced Debt Collection Attorneys 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.

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, July 1, 2017

Post Judgment Costs: Are They Worth It?

Are you afraid of what filing a judgment could cost you?

Will it be worth what you end up paying?

Would it be better to just forget the debt?

There’s no need to worry when you have professional debt collection attorneys in Michigan on your side. Besides signing some paperwork, there’s very little else that you need to do. 
Post-judgment costs can vary depending on litigation, counterclaims, and how vigorously your debtor fights your claim. 

For cases that go to court, expect to pay certain litigation costs like filing fees, deposition fees, and subpoena and witness fees.

However, good sense dictates that your costs of collection should never exceed the receivable’s value. Why should you spend $100 to collect $50? Is it worth it to you? That’s something you have to decide for yourself.

Call Our Experienced Debt Collection Attorneys 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.

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.