Mini Intro to Debtor Admissions, Part 2

Can you use your debtor’s admission in court?

Getting the customer to admit owing the debt isn’t always easy. It can be the next best thing to actually getting paid as long as you handle it right. When your debtor admits that they owe you money, you can:

• Use the admission in court to help prove the debt.
• Remind the debtor of their previous admission if they try to use the same excuses for delaying payment later.

"It defies logic for this Honorable Court to proceed with a case when the Defendant has admitted his liability,” says Barbara Muller-Wilson. We’ll do everything we can to help you succeed in your case!

Learn more in our latest article.

Need help collecting debt from someone in Michigan?

You’re in the right place!

Your money is our #1 priority. If you or your debtor live in Michigan, we can take on your debt collection case. Take the pressure and frustration off your plate by contacting the Mullers at (248) 645-2440 or by submitting a contact form. We look forward to hearing from you!

Mini Intro to Debtor Admissions, Part 1

What qualifies as an admission from your debtor?

An admission is a statement from the debtor conceding that they owe you money. An admission may be full (“I owe you all the money you claim”) or partial (“I owe you some of the money, but dispute the balance.”) 

The admission can come in a number of forms, including an oral statement (for example: during a meeting or phone call), in writing such as by letter or email, in a repayment agreement you negotiate, or implied by the debtor’s actions such as sending you partial payment on your bill.

Learn more in our latest article.

Need help collecting debt from someone in Michigan?

You’re in the right place!

Your money is our #1 priority. If you or your debtor live in Michigan, we can take on your debt collection case. Take the pressure and frustration off your plate by contacting the Mullers at (248) 645-2440 or by submitting a contact form. We look forward to hearing from you!

Determining When to Garnish and How

When should I start garnishing by debtor’s wages?

Which accounts should I garnish?

How do you figure out what to garnish?

Contact a debt collection attorney today to help you answer all your questions. If you need help with your debt collection strategy, we can help you develop and strategize a plan to get what you’re owed.

We Specialize in Debt Collection in Michigan!

At Muller, Muller, Richmond, & Harms, P.C., our attorneys specialize in debt collection in Michigan. We can help you build a strategy customized to fit your business needs. We want to ensure you receive the best possible outcome in pursuing your case. 

Since 1961, our top-rated lawyers have been dedicated to professionally and aggressively pursuing the money you’re owed in a straightforward, ethical manner. With offices in Birmingham and Grand Rapids, we handle claims against debtors located in Michigan, even if you are located out of state or out of the country.

Call us at 248-645-2440 for a free initial consultation and strategy meeting!

What You Need to Know About Foreign Judgment Recognition Laws

Trying to track a debtor across state lines?

Are you having a hard time collecting on a judgment?

Do you think they moved away to avoid payment?

States are obligated to recognize judgments obtained in other states under the Full Faith and Credit provisions of the U.S. Constitution. Most states have foreign judgment recognition laws to facilitate enforcement of international judgments.

Take the First Step! Contact an Attorney for Debt Collection in Michigan Today!

If you need the help of an attorney for debt collection in Michigan your first step is easy! Fill out the information form on our “Contact Us” page, or give us a call at 248-645-2440, to ask questions and figure out your next steps. We offer a free consultation and strategy meeting, no fees unless you win! Don’t let the money owed to you go away – get started today! We look forward to hearing from you.

Phone Calls Not Working? Figure Out a Debt Collection Strategy!

Are your delinquent payers becoming a major concern? Do you want the help of a debt collection expert?

At Muller, Muller, Richmond, Harms, & Myers, P.C., our attorneys specialize in debt collection in Michigan. We can help you build a strategy customized to fit your business needs. We want to ensure you receive the best possible outcome in

pursuing your case.

Call Experienced Attorneys 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.

Our attorneys know how to get results for our clients and they’re dedicated to getting a satisfactory outcome. Contact our attorneys for debt collection in Michigan today at (248) 645-2440 for a free no obligation consultation.

Should You Be Setting Tighter Controls on New Customers?

It’s not a bad idea. If you want to protect yourself and your business, it may be worth trying to tighten controls on your customers. However, you don’t want to tighten the reigns too firm! You don’t want to upset new customers.

To protect yourself, you may choose to adopt some of the following controls:

• Put the customer on a short leash, such as a 15-day watch list, so you detect a slowdown in payments almost immediately.
• Be ready to turn off the credit faucet: no credit if no payment.
• Hold up further deliveries of your goods or services until the customer pays his late invoices.
• Get additional assurance of payment, such as liens, guarantees, and promissory notes.

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.

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.

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.