How to Deal With Stall Tactics

Are you having a difficult time dealing with debtor’s excuses?

Having a hard time resolving customer concerns about paying off a debt they owe you?

Do your debtors claim they have no money and refuse to pay you?

According to the Credit & Collections Kit for Dummies, by Steven A. Harms, “when people don’t want to or can’t pay you what they owe, they come up with all sorts of excuses. Here are some of the more common ‘I-don’t-want-to-pay’ debtor comments and what you can do or say to overcome them:

1. Stall tactic: ‘I don’t have enough money on hand to pay you in full.’

Solution: Remind the debtor of possible untapped sources of funds: Money can be borrowed from lines of credit, credit cards, advances, or even friends and relatives.

2. Stall tactic: ‘Even if I had the money, I wouldn’t pay you because I don’t owe you the whole amount.’

Solution: Work toward dispute resolution.

3. Stall tactic: ‘I have a problem with some of your invoicing; the numbers don’t make sense to me.’

Solution: Review each invoice, or explain how your invoicing system works until you relieve the customer’s concerns.

4. Stall tactic: ‘I had a problem with some of your goods and services and my customers are not happy; and because they aren’t paying me, I’m not going to pay you.’

Solution: Break down and resolve the specific concerns behind this statement help work toward a resolution.

5. Stall tactic: ‘Your account is so messed up; I have no idea whether I owe anything.’

Solution: This type of statement is a classic attempt by the debtor to make the account fuzzy and irresolvable. Keep discussing the specifics until the messed-up account is un-messed.”

Call Experienced Debt Collectors 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 collectors in Michigan today at (248) 645-2440 for a free no obligation consultation.

Alternative Dispute Resolutions

Tired of tracking down debtors?

Are you looking for an easier way to resolve unpaid invoices?

Is there an alternative to litigation for your client disputes?

There are other ways to collect what’s owed to you! They include early neutral evaluation, negotiation, conciliation, mediation, and arbitration. The most common alternatives in dispute resolution are arbitration and mediation. However, negotiation is almost always attempted first to resolve a dispute.

These processes allow people to identify the disputed issues, develop options, consider alternatives and try to reach an agreement. If you can’t reach an agreement, and the claim goes to litigation, court and attorney fees will typically drive the cost up for both parties. So, it’s worth considering whether another approach makes more sense. 

What is Mediation?

• Each person has a chance to talk, be heard and respond to the issues. 
• Everyone is focused on communicating and resolving the dispute. 
• Helps identify and communicate goals and desires and why the debtor feels the way they do.
• Clarifies the issues and suggest ways of discussing the dispute.
• Develop options and consider whether possible solutions are realistic.
• Try to reach an agreement and ensure everyone understands any agreement that’s reached.

What is Conciliation?

• A conciliator will make suggestions or give you and the other participants expert advice on the possible options for sorting out your dispute.
• A conciliator will encourage you and the other participants to reach an agreement.

What is Arbitration?

• The main differences between arbitration and other forms of alternative dispute resolution (ADR), include: 
• You and your debtor need to agree before the process that the arbitrator's decision will be binding and enforceable.
• There’s a greater need to produce evidence. 
• There may be one arbitrator or a group of arbitrators to hear your dispute. 
• The arbitrator may be a specialist in the subject matter of the dispute or have other legal qualifications 
• At the end of the process the arbitrator will make a decision for the parties.

Call Experienced Debt Collectors 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 collectors in Michigan today at (248) 645-2440 for a free no obligation consultation.

We Can Help You Determine a Litigation Strategy!

Are you prepared to take legal action?

Do you know your rights?

Are you prepared to represent yourself if your case goes to court?

If you’re not ready to represent yourself in court, hire an attorney! We offer many debt collection services in Michigan to help assist you with your claim.

Litigation is a debt collection service we offer that can include a number of things before, during, and after a lawsuit to enforce a legal right.  In addition to the actual lawsuit, pre-suit negotiations, arbitrations, facilitations and appeals may also be a part of your litigation process. 

At Muller Law Firm, we’re the experts when it comes to debt collection services in Michigan. We handle everything from pre-suit negotiations, to post-suit negotiations. 

You expect results and we expect results! We’ll handle your case with the professional attention it deserves and we’re prepared to use all our options to collect your overdue debts. For over 56 years, we’ve tracked down overdue accounts, winning many settlements for our clients along the way.

Debt Collection Services in Michigan: Get Started Today!

When you hire one of our debt collection attorneys to take your case, we’ll ease your stress by developing a strategy that works best for your unique case. An in-depth analysis and investigation of the facts will help us determine your options. Call us at 248-645-2440 for a free initial consultation and strategy meeting!

How to Ensure Your Lawsuit is Properly Served

Are you worried about your lawsuit being served?

Do you want to ensure your lawsuit gets served properly?

Are you worried you won’t be able to track down your debtors to serve them with a lawsuit?

In order to ensure your lawsuit is properly served, you must serve the summons and complaint on the defendant within 90-120 days of filing the lawsuit. The papers must be served to the defendant in person, directly to the defendant, rather than by mail or by leaving it at the defendant’s home or work. If you’re suing more than one person, even if the defendants each live or work at the same address, you must ensure that your lawsuit is served to each debtor in person.

Who Can Serve the Lawsuit?

If you’re having trouble tracking down your debtors, we can help you! At Muller Law Firm, we use sheriffs, marshals, policemen, and detectives to serve your lawsuits for a small fee. We may also consider hiring a private process server. Sometimes states require the court to approve your process server first before they can serve your lawsuit.

Debt Collection Services: 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 our debt collection services in Michigan today at (248) 645-2440 for a free no obligation consultation.

Sharpen Your Negotiating Skills

Are you a good negotiator? 

Are you able to get what you want by guiding a discussion in your favor?

Are you able to take quick action when a client’s payment habits change?

Keep in mind that practice makes perfect! Your ability to communicate, negotiate, and react to a late-paying or nonpaying customer is a skill that you must hone if you want to stay effective! In the collections business, you need to think on your feet and grab all opportunities to get paid, because you can’t count on second chances.

For better negotiating results:

1. Know who you’re up against!
2. Be flexible, but firm.
3. Try not to make the first offer.
4. Ask for more than you expect to get.
5. Make your sticking points known.
6. Think on your feet to accomplish important goals.
7. Provide minimal explanation.
8. Put all agreements in writing!

Call Experienced Debt Collectors 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 collectors in Michigan today at (248) 645-2440 for a free no obligation consultation.

How to Seize a Debtor’s Assets

Do you know your rights when it comes to seizing assets?

Do you know how levies and seizure work?

Are you aware assets your debtor owns that may be subject to seizure?

If you do know about your debtors’ assets, you may ask the court to issue a writ to attach property, also known as writ of execution or a writ to seize property. 

According to the Credit & Collections Kit for Dummies, by Steven A. Harms, “Most states require that you use writs to attach property against personal property first and against real property second. That means your officer must levy against items such as cars and boats before taking real estate.”

Once you have the writ of seizure, it is given to a court officer or deputy sheriff. It’s their job to contact your debtor to see if your judgment will be paid without having to seize their assets. If assets are collected, they’re usually transported to a secure storage facility for 10 days to perform inventory and organize them for sale. During this time, your debtor can redeem the assets by paying the judgment in full, plus expenses, interest, and sheriff’s fees. However, if the assets aren’t redeemed, they can be sold at a public auction.

Call Experienced Debt Collectors in Michigan Now!

If you’re a business owner, you may decide that having a debt collection law firm seize your debtors’ assets 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 collectors in Michigan today at (248) 645-2440 for a free no obligation consultation.

3 Simple Ways to Deal With Problem Checks!

Are you having a problem processing your debtors’ checks?

Is your debtor writing checks that don’t clear the bank?

Do you need help getting your company on the right track?

Checks may bounce because of a mistake by your customer. Mistakes can happen, they may have just forgotten to deposit enough funds in their account to cover all of their bills. 

With a few simple steps, you can minimize the impact of nonsufficient funded checks by following this advice:

1. Deposit checks as soon as you receive them
2. Anticipate that nonsufficient checks will happen
3. Know your customer

According to the Credit & Collections Kit for Dummies, “If the customer doesn’t immediately offer to replace the nonsufficient check with a cashier’s check, deposit the same check a second time. The second time may be the charm, and it just may clear.” Your best bet is to call your customer’s bank to see if there are sufficient funds to cover your check. In the long run, you could save yourself a huge headache. 

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.

Attorneys for Debt Collection in Michigan Fight for Your Creditors’ Rights!

If you’re a business owner, you should be spending your time conducting business rather than chasing down debts. Contact our experienced attorneys for debt collection in Michigan today at (248) 645-2440 for a resolution to your collection matters. Let the experts worry so you have more time to focus on growing your business.

Judgment Enforcement and Renewal

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.

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!  

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.

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.

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!

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.

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.

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.

Writs of Seizure

What 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.

Retail Debt Collection Options in Michigan

Do 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.

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:

“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!

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?

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.

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?

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.

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.

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.

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.

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 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.

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!

Is My Paperwork in Order for My Debt Collection Case in Michigan?

Do you have all your paperwork evidence in order for negotiation?

It’s so important to have everything in order for your attorney to be able to study the evidence and be able to fight in court for your creditor’s rights. When we win cases, we try to win big! Typically, settlements will include reimbursement for missed payments, interest, and sometimes attorney fees and court costs.

Muller, Muller, Richmond, Harms & Myers, P.C. was built on the values of integrity, fairness, honesty and respect. As one of Michigan’s leading collections firms, our attorneys have successfully handled debt collection in Michigan involving everything from retail to business debts and from the simplest to the most complex post judgment recoveries.

Debt Collection in Michigan: We Fight for Your Creditors’ Rights!

What’s most important to you is also important to us! Being a family business means more than being related, it means that every one of our cases gets dedicated, personal attention, whether your claim is big or small.

Our attorneys are top rated by AV Martindale-Hubbell, AV Preeminent, and Super Lawyers, and they truly care about your case. Our staff is always available for a free initial strategy meeting to build a relationship with you and figure out what you need.

If you’re a business owner, you should be spending your time conducting business rather than chasing down debts. Contact our experienced collection firm for debt collection in Michigan today at (248) 645-2440 for an immediate resolution to your collection matters. Let the experts worry about your collections, so you have more time to focus on growing your business.