Getting Collection Leads from Third Parties

Think about third parties who may owe money to your debtor. These are often overlooked but can be
valuable sources of collection. Consider:

• Accounts receivable — customers or clients who owe the debtor money for goods or services
• Tenants — anyone who rents property from the debtor and may owe rent
• Insurance companies — claims payouts the debtor may be entitled to, such as fire damage, flood losses, or auto accident settlements
• State taxing authorities — tax refunds owed to the debtor (where permitted by state law; federal tax refunds are currently off limits)
• Purchasers of the debtor's business — anyone who bought the debtor's business and still owes money on the purchase

Include anything that appears to be a possible source of money. If you can identify enough assets to feel reasonably confident you'll be able to collect, great. If not, consider scheduling a creditor's examination — a formal court proceeding where the debtor must appear and disclose their assets under oath.

Even small or unexpected assets can add up. A partial collection is still a collection.

Learn more in our latest article.

Need More Support? Call Collection Services in Michigan

If you need help tracking down assets or enforcing a judgment, our lawyers can guide you through every step of the process. Get started with our Michigan collection services by calling (248) 645-2440 or by submitting a contact form here.

Building an Effective Asset List

Winning a judgment in court is a major step — but it's only half the battle. If your debtor isn't paying
voluntarily, you need to locate and pursue their assets to actually collect what you're owed. Once you have a clear picture of their assets, you can move forward with strong collection actions like wage garnishment, bank levies, and "execution" (the legal seizure and sale of a debtor's property).

Building an effective asset list doesn't have to start from scratch. Begin by scouring your own collections file for information you may already have about the debtor, including:

• Home and business addresses
• Bank names and account details (checking, savings, and business accounts)
• Information about significant assets, such as real estate, vehicles, boats, and recreational vehicles
• Place of employment (if the debtor is an individual)
• Professional licenses or business ownership interests
• Any known safety deposit boxes

Learn more in our latest article.

Need More Support? Call Collection Services in Michigan

If you need help tracking down assets or enforcing a judgment, our lawyers can guide you through every step of the process. Get started with our Michigan collection services by calling (248) 645-2440 or by submitting a contact form here.

Revoking an Offer Before Making a Contract

Do you know what truly makes a contract enforceable?

Whether you're extending credit, working with vendors, or closing a deal, understanding the fundamentals of a contract is essential to protecting your business.

In most cases, an offer can be withdrawn at any time before it is accepted. However, there are important exceptions:

• Option agreements: When the offeree pays to keep the offer open for a specified period 
• Legal requirements: Certain rules, such as those governing merchants, may require offers to remain open under specific conditions 

Understanding these nuances can help you avoid costly missteps.

Why This Matters for Your Business

Contracts are the backbone of any successful business relationship. When agreements are unclear, incomplete, or improperly formed, collecting what you're owed becomes much more difficult.

That’s where experienced legal guidance makes all the difference.

Read more in our latest article.

Looking for Collection Services in Michigan?

Since 1961, our firm has been committed to helping businesses recover outstanding balances efficiently and ethically. Whether you're in Michigan or operating from out of state, our services can support your collection efforts. Call 248-645-2440 or submit an online contact form to get started!

The Five Core Principles of Contracts

At its core, a valid contract is built on five key elements: offer, acceptance, consideration, mutual assent,
and legality. Let’s break down what each of these means—and why they matter.

1. Offer: The Starting Point

Every contract begins with an offer. This is a clear proposal made by one party (the offeror) to another (the offeree), expressing a willingness to enter into a binding agreement.

In today’s business environment, offers are often made through emails, digital platforms, or written proposals. Regardless of the format, the terms should be clear and specific to avoid confusion later.

2. Acceptance: Clear Agreement to Terms

Acceptance occurs when the offeree agrees to the terms of the offer. This can be done through a direct statement or through actions that clearly indicate agreement.

To avoid disputes, acceptance should always be clear and unambiguous. When possible, respond using the same method the offer was delivered—this helps establish a clean record of agreement.

Timing also matters. If the offer includes a deadline, acceptance must happen within that timeframe. If no deadline is given, the law allows a “reasonable time,” which can vary depending on the situation.

3. Consideration: Value for Value

A contract must involve an exchange of value—this is known as consideration.

In most business transactions, this means one party provides goods or services, and the other provides payment. Courts generally don’t evaluate whether the deal was “fair”—only that something of value was exchanged.

4. Mutual Assent: A Meeting of the Minds

Modern contract law focuses heavily on mutual assent, meaning both parties clearly understand and agree to the essential terms.

This is especially important in today’s fast-paced business world, where informal agreements, email chains, and ongoing relationships can blur the lines. Misunderstandings about key terms can lead to disputes—or even claims that no contract existed at all.

5. Legality: A Lawful Purpose

For a contract to be enforceable, its subject matter must be legal.

Laws and regulations can change, and agreements that were once valid may become unenforceable if they later violate new rules—particularly in highly regulated industries like technology, finance, or international trade.

Read more in our latest article.

Looking for Collection Services in Michigan?

Since 1961, our firm has been committed to helping businesses recover outstanding balances efficiently and ethically. Whether you're in Michigan or operating from out of state, our services can support your collection efforts. Call 248-645-2440 or submit an online contact form to get started! 

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!

Why is it Important to Create Urgency?

Have you sent a reminder to your debtor, and they’re still not paying?

Imagine yourself forgetting to pay a couple of bills before you take a long vacation. One bill is from your doctor, and the other is from your credit card company. When you come home, you’ll probably find two or three reminders – in your mailbox or email and on your voice mail – from your credit card company. Each reminder is sterner than the last, transitioning from polite to insistent. In contrast, your doctor probably hasn’t contacted you at all or perhaps has sent you another statement. By the time your doctor warns you that your account may go to collections, you may have already heard from your credit card company’s law firm.

Credit card companies figured out a long time ago that urgency works. If you’re like most people in this situation, you’ll respond predictably: you’ll pay your credit card bill before you pay your doctor.

Debtors who have more debt than money (most of them) have to set priorities. You are competing with other creditors, and you need to make payment of your bill the debtor’s priority. 

Learn more in our latest article.

Michigan Collection Services You can Rely On

If you’re tired of trying to get ahold of your debtor and you’re looking for reliable collection services in Michigan, you’re in the right place. To get in touch with a collection firm that prioritizes you and your money, call (248) 645-2440 or submit a contact form here.

Beginner's Guide to Payment Reminders

How do you craft effective payment reminders?

When you follow up with your newly delinquent customers, you want to grab their attention. Common techniques for creating urgency include:

• Interest and penalties: Consistent with your credit agreement and state laws, add interest, late fees, or both. Give your debtor the unambiguous message that the consequence of dragging out payment is that they’ll end up having to pay more money.
• Attention-getting words and “big red letters:” It’s corny, but it works. Send notices more often with notations like “urgent” and “past due” on them in red ink. (If you’re dealing with consumer debtors, keep any red ink that suggests the communications for debt collection inside the envelope. You can mark the envelope “urgent,” but save words like “past due” for the printed invoice that you put inside.)
• Frequent reminders: Use a series of collection letters. For pointers on this, check out our guide to writing demand letters.
• Multiple modes of contact: Use different forms of communication to keep your reminders in front of your debtor: email, overnight delivery, telegram, hand delivery, fax, text messages, and even social networking websites – whatever works.
• Making a phone call: If collection letters and similar contacts don’t result in payment, sometimes a phone call will bring in the money.

Learn more in our latest article.

Michigan Collection Services You Can Rely On

If you’re tired of trying to get ahold of your debtor and you’re looking for reliable collection services in Michigan, you’re in the right place. To get in touch with a collection firm that prioritizes you and your money, call (248) 645-2440 or submit a contact form here.

The Five Cs of Credit - Part 2

How do you decide whether to give a customer credit or not?

In our last blog, we talked about three out of the five Cs of credit: character, collateral, and capacity. Now we’ll discuss the final two Cs: capital and conditions.

Examining Capital

A company’s net worth is made up of capital that has been paid into it over the years, along with any that has been generated through profitable operations (“retained earnings”). Ideally, you can compare two or three financial statements next to each other to spot trends in net worth. You’re looking for your customer’s net worth to increase each year, meaning that capital is being put into the company—that the company is profitable and is keeping some of its earnings rather than paying them all out of shareholder as salary or dividends, or both.

Reacting to Conditions

An excellent practice to follow when extending credit is to consider the general conditions of your industry, as well as overall economic conditions. Although good customers may pay their bills timely even in poor economic conditions, when industry or general economic conditions take a downward turn you must monitor payment trends for even your best, most reliable customers.

When conditions are good, customers have lots of money and customer demand. Orders are high, and you’re willing to take some additional risk to maximize your profits, so more goods are shipped out on credit terms.

In difficult economic conditions, competition from other companies in your market affects how much risk you’re willing to take. If your goods or services are scarce or unique, you can more easily impose credit terms that better protect your business. The less unique your product, the more you must deal with market pressures that may force you to extend more credit than you’re really comfortable with.

Done Looking for Collection Companies in Michigan?

If you haven’t had luck with other Michigan collection companies, it’s time to partner up with Muller Law Firm! We provide collection services for business-to-business and business-to-client companies, specializing in pre-suit, post-suit, and post-judgment collection.

Fill out a contact form here, or give us a call at (248) 645-2440, to ask questions and figure out your next steps.

The Five Cs of Credit - Part 1

Have you heard of the five Cs of credit?

The five Cs of credit are character, collateral, capacity, capital, and conditions. In part 1 of this blog, we’ll be going over the first three. 

Assessing Character

Whether it’s an individual or a company, your customer exhibits a personality. From a credit prospective, you evaluate your customer’s integrity, particularly in terms of bill paying. Has this customer exhibited integrity in the past? If the customer says the check is in the mail, is it really?

Customers who lack character should be required to provide more proof that they’re worthy of credit. For example, you may require updated financial information every six months or every year or verify their status with outside credit reporting agencies every six months.

Evaluating Collateral

When you take a lien, you stake a claim to certain assets of your customer, and become their “secured creditor.” The property you take the lien against, such as inventory, equipment, or machinery is your collateral. If your customer stops paying its bills, you may pursue the assets that are subject to your lien in order to satisfy their debt.

After you’ve staked your claim to those assets, when your customer stops paying you can either take those items back with the cooperation of your customer or you can seek a court order to take the items back (a process referred to as “claim and delivery” or “foreclosure”) to minimize your losses.

Determining Capacity

“Capacity” is the sufficiency of cash flow to cover debt. The ability of a business to pay debt generally fluctuates depending on budgeting skills and the steady flow of enough cash to cover debts as they mature and become due. Unforeseen expenses can throw a monkey wrench into even the best-laid budgets, so the acid test for capacity is actually whether your customer can generate an adequate cash flow to pay its obligations even with fluctuations in the marketplace, sudden drops in orders from its customers, and similar unexpected difficulties. Part of the answer to this question may lie in the customer’s capacity and willingness to borrow money to supplement cash flow when the purse strings tighten up. What matters to you, though, is whether your company will receive payment even if your customer is having temporary cash flow concerns. 

Done Looking for Collection Companies in Michigan?

If you haven’t had luck with other Michigan collection companies, it’s time to partner up with Muller Law Firm! We provide collection services for business-to-business and business-to-client companies, specializing in pre-suit, post-suit, and post-judgment collection.

Fill out a contact form here, or give us a call at (248) 645-2440, to ask questions and figure out your next steps.

Picking a Reliable Debt Collector

Have you been struggling to find a reliable debt collector?

When you approach a collection professional, they should try to anticipate your needs, asking about the type of business you operate; whether your business is regional, national, or international in scope; who your debtors are (and whether they’re primarily commercial or consumer); and what types of services you’re looking for. If you don’t know what services you need, the collection professional should happily provide you with website links, brochures, and detailed explanations of the services they recommend for your company and what those services cost.

There are several characteristics that mark a reliable debt collector, but recommendations, trustworthiness, and legal compliance are at the top. 

Recommendations: Your debt collector should provide sound recommendations on handling collection files, working with particular debtors, and accepting (or not accepting) settlement offers made by debtors.

Trustworthiness: Can you rely on your collection professional’s advice? Over time, has the advice turned out to be good in maximizing recoveries, or is your debt collector just out for a quick fee?

Legal compliance: Your professional should scrupulously follow state and federal laws.

Get Reliable Service for Michigan Debt Collections

Muller Muller Richmond & Harms, PC is one of Michigan’s leading collection firms, you get efficient collection, reliable results, and peace of mind. If you need help with debt collections located in Michigan, call (248) 645-2440 or submit a contact form here. We look forward to taking the burden off your hands.

Characteristics of a Good Collection Service

How do you separate good debt collection professionals from mediocre ones?

Here are some signs to look for:

One-Stop Shopping: You don’t want to search all over the country for professionals that provide different kinds of services in different locations. Find a debt collection professional that offers all the services you need in the locations you require, including national or international services.

Bricks, Mortar, and People: Check the debt collector out, perhaps even in person. Ask them questions, and get references who can tell you about their services. What does the service look like? What type of people work there, what computer systems and other technologies do they use in their collection efforts, and how responsive are they to emergencies?

Meaningful Reporting: Whether you want reports on individual collections files or a bulk report listing all the claims you’ve placed with the service, a good professional tailor reports to your needs. When you work with your debt collector, specify the information you can use, not a bunch of fluff reports with information that’s not helpful.

Remittances on Collections: When do you need to receive payment on collected accounts? Collection professionals usually provide remittances on a collection-by-collection basis, but depending on the volume of claims you place, they may be done in batches, once or twice per month.

Good Percentage of Recovery: How often does the collection service settle claims versus colleting accounts in full? If you authorize your collection agency to settle cases for 80 percent of their value, will it settle every case for no more than 80 percent or continue to try to collect 100 percent? Keep statistics for each of your collection professionals and compare their performances over time.

Get Reliable Service for Michigan Debt Collections

Muller Muller Richmond & Harms, PC is one of Michigan’s leading collection firms, you get efficient collection, reliable results, and peace of mind. If you need help with debt collections located in Michigan, call (248) 645-2440 or submit a contact form here. We look forward to taking the burden off your hands.

A Paper Trail Story

Did you know that proper documentation can save you a whole lot of legal trouble?

Here’s an example: a customer buys $500 of paper plates. The customer received the $500 shipment, but $100 of the product was damaged. Your contract places risk of loss on the customer, so under the terms of sale, it’s the customer’s responsibility to file a claim with the carrier.

But what if it’s determined that the damage was done before the goods left your warehouse and the carrier isn’t at fault? Now you owe your customer a $100 credit. The credit memo should be issued immediately, should specifically refer to the soiled plates, and should include the amount, be dated, and be promptly entered into your billing system. Both the $500 invoice and the $100 credit memo will appear on the customer’s monthly statement.

Now let’s add a complication. During the same billing period, the customer either took an unearned discount or otherwise failed to pay an invoice in full. For example, a prior shipment of plates for $500 resulted in a check for $400. As with the credit memo for money you’re crediting to your customer’s account, you must promptly prepare and process a debit memo showing that $100 shortage so your customer knows exactly where it stands. Your paperwork remains accurate and organized, and you can document every entry on the customer’s statement of account.

Let Us Handle Your Michigan Debt Collections

Since 1961, our top-rated lawyers have been dedicated to ethically pursuing the money you’re owed. 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. Let us take on the stress of your Michigan debt collections! Call (248) 645-2440 or submit a contact form for an effective resolution to your collection matters.

Put Everything in Writing

How thoroughly do you document transactions with your clients?

An old expression, always applicable to billing practices, states, “It isn’t done if it isn’t in writing.” Everything in the billing system must be in writing. This is usually referred to as a paper trail. As a general rule, whoever has the best paper trail wins.

Never include an item on your statement of account that can’t be fully documented. Unexplained items on statements are difficult to impossible to enforce and make your billing system appear disorganized. Your disorganization or lack of documentation will become a huge problem should a customer dispute its balance. As time passes, memories fade and you’ll have to rely on your paper trail.

Let Us Handle Your Michigan Debt Collections

Since 1961, our top-rated lawyers have been dedicated to ethically pursuing the money you’re owed. 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. Let us take on the stress of your Michigan debt collections! Call (248) 645-2440 or submit a contact form for an effective resolution to your collection matters.

Intro to Contracts

Are you familiar with the basics of entering a contract?

The five essential elements to a contract are offer, acceptance, consideration, mutuality, and legality. The process of negotiating a contract starts with the offer, an invitation to enter into a binding contract. The person making the offer is the offeror, and the person receiving the offer is the offeree. 

The contract process starts when the offeror makes an offer to the offeree. Each party offers consideration for the deal, value that supports their promises. If the offeree accepts the offer, the parties mutually agree to the terms of the deal, and if the subject matter of the contract is legal, you have a contract.

“Acceptance” occurs when the offeree states either that the offer is accepted or takes action that indicates acceptance. Typically, you want to accept in an unambiguous manner. If you want to accept an offer but you’re unsure how to do so, simply use the same mode of communication that was used to convey the offer. For example, if the offer came by mail, accept with a letter.

The offeror may limit the amount of time the offer is open. If no time limit is set, the offeree has a reasonable time to accept. An offer usually can be withdrawn (“revoked”) at any time before it’s accepted. Here are two common exceptions:

1. Contractual limitations: your contract requires you to keep the offer open. For example, the offeree pays to keep the offer open for a specified time.
2. Legal restrictions: the law requires you to keep the offer open. For example, certain restrictions are imposed on merchants under the Uniform Commercial Code. 

Need Help with Michigan Debt Collections?

Since 1961, our top-rated lawyers have been dedicated to ethically pursuing the money you’re owed. Our law firm can handle your debt collections in Michigan, even if you are located outside the state or country. Call (248) 645-2440 or submit a contact form for an efficient resolution to your collection matters.

Documenting Disappointment for a Paper Trail

Have you been keeping a detailed file on your debtor?

Documenting your disappointment is another aspect to add to the debtor’s file to create a convincing a paper trail.

Suppose you’ve reached an understanding and sent written confirmation to the debtor but haven’t heard anything back – no confirmation, no check, no apology. Send another letter reiterating the debtor’s admission and the agreement, and expressing your disappointment at the fact that the debtor didn’t follow through.

Learn what to do when you receive oral admissions!

Collect with a Collection Company in Birmingham, 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. 

To protect your creditors’ rights, contact an experienced collection company in Michigan today at (248) 645-2440 for an effective resolution to your collection matters.

Documenting Admissions

Is your delinquent customer ignoring your requests for payment?

Before a debtor commits to payment, you may have to force them to make an admission.

An admission is a statement from the debtor conceding that they owe you money.

Don’t think of getting admissions as a passive process, but rather as an active one. Anytime you’re in contact with your debtor, you’re fishing for admissions – especially written admissions. Take any opportunity to get an admission from your debtor that the money is owed. Hook your debtor and reel them in.

Documenting Oral Admissions

Although your goal is to get a written admission, that’s not always possible. But you can create a paper trail with an oral admission by doing the following:

• Note any oral admission in your records.
• Follow up the oral admission with a note or memo
• Send a confirmation of any oral agreements, and ask the customer to sign and return it

Learn how payments can be considered partial admissions!

Collect with a Collection Company in Birmingham, Michigan 

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. To protect your creditors’ rights, contact an experienced collection company in Michigan today at (248) 645-2440 for an effective resolution to your collection matters.

When to Insist on a Personal Guaranty

Is your customer considering a personal guaranty of payment to extend their credit?

When considering extending credit based on a guaranty:

• Confirm that the guarantor is creditworthy. To ensure that the guarantor is financially sound, you can informally rely on business reputation, the impressions of the salesperson on the account, or information someone else within your company who is familiar with the general financial condition of the proposed guarantor. A more sophisticated approach is to get a credit report for the proposed guarantor.
• If the guarantor is a corporation, require a resolution from the board of directors authorizing the individual to sign the guaranty.
• If the guarantor is an individual and you can do so while following the constraints of the Equal Credit Opportunity Act, have the guarantor’s spouse sign the guaranty so that you can collect action against joint assets.

Learn what to do once you get the guaranty on our website!

Collect with One of the Best Collection Companies in Michigan

Looking for other ways to collect?

Muller Law Firm will handle your case with the professional attention it deserves! 

Contact one of the best collection companies in Michigan today at (248)645-2440 for an immediate resolution to your collection matters.

Using Public Records and Directories to Find Your Debtor

Public records may be available through government websites or through the old-fashioned means of going to a government office and either searching records yourself or asking a clerk to search them for you.

What You Can Find from Public Records

• UCC Filings: Reveal whether other creditors have filed claims against your collateral, granting them a security interest and notice to you that you may not touch.
• Business and Profession Licenses: Reveal whether the business or its principals are properly licensed in their field or profession and may also reveal disciplinary history.
• Judgements: Reveal outcome of litigation between parties involving your debtor and the amounts due under any judgements. If you find out that your debtor has several unsatisfied judgements, you may end up standing in line behind these judgement creditors when you try to collect.  This knowledge may lead you to determine that litigation is not the optimum strategy.

Read the full article on our website for more public records resources!

Debt Collection Services in Michigan Since 1961!

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.

If you want to use debt collection services 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. Don’t let the money owed to you go away- get started today! We look forward to hearing from you.

How to Use Government Records to Find Debtors

Having trouble locating your debtor?

Government and public directories can aid in your skip tracing endeavor. Many federal, state, county, and local records are now available online, usually for free and without requiring a password. 

What Different Levels of Government Can Provide:

• Federal Government: You can access federal courts through US Courts.gov. You can obtain court records, including bankruptcy records, through Pacer. The American Bankruptcy Institute can provide bankruptcy case opinions for a fee. 
• State Government: The state may be able to provide 
• Records of corporations, limited liability companies, and other legal entities
• Driving records (often only available for specific purposes)
• Boat and vehicle registrations (sometimes not accessible by the public)
• Criminal record information (confirmation of whether a debtor is incarcerated, sometimes complete with a debtor’s photo)

See more government resources you can use to find debtors.

Debt Collection Services in Michigan Since 1961!

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.

If you want to use debt collection services 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. Don’t let the money owed to you go away- get started today! We look forward to hearing from you.