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.