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. 

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.

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.

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.