Know your rights
Renters Rights Consumers Rights
Food Stamps Medicaid Supplemental
Paternity Child Support Elder Abuse
Identity Theft Buy / Sell Homes Land Contracts Bankruptcy
Contact Information Links
When the collector calls…
Know Your Rights
Federal and State laws regulate debt Collection in Michigan. These laws give you certain rights in dealing with bill collectors.
The most important thing to do to protect your rights is to do all your business with bill collectors and creditors in writing. Keep copies of notes and letters and keep track of all phone calls.
Keep everything the collector sends you. Keep them in a safe place with your loan papers.
There are many things that collectors cannot do when collecting a bill.
If a bill collector does any of these things, you should see a lawyer. You may be able to sue the collector for damages. If you sue, and the court finds that the collector knew he was breaking the law, you may be able to get three times the damages the collector caused.
Funded in part by the Legal Services Corporation, Michigan State Bar Foundation, OSA and Area Agencies on Aging regions 9, 10 & 11.