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Michigan Debt Settlement.

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Be sure to include all credit cards and unsecured debt. Do not include IRS debt, student loans, car loans or home mortgages.

Debt Settlement which is also known as debt negotiation, is when our attorneys negotiate a settlement on your debts on behalf of you as our client. Most of the time GoDebtRelief.com can greatly reduce the monthly payments of our Michigan clients, and can typically settle our Michigan clients debt for between 40 and 50% of what they owe. The amount of money you will save with our debt settlement program is amazing. Debt settlement is the quickest and cheapest debt relief, debt reduction or debt help available to everyone throughout Michigan.

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives:
(866) 910-9081

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Important Michigan Debt Settlement and Debt Consolidation Laws.

(Note: This is only to be used as an informational debt resource for residence of Michigan and should not be considered and does not constitute legal advice. If you are looking for legal advice contact a licensed attorney in Michigan)
. Michigan (MI) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts. These laws are known as the Fair Debt Collection Practices Act (FDCPA

-The original creditor must provide a receipts for cash payments when asked to do so.

The Maximum Interest Rate a collection agency can charge in Michigan is 5%

Michigan has set its wage protection to 60% of wages or $15 per week plus $2 per nonspouse dependant. If they are not head of the house they might keep up to 40% of wages (no less than $10 a week)

FEDERAL LAW STIPULATES THAT AT LEAST 75% IS PROTECTED WHICH OVERRIDES STATE LAW.

Statue of Limitations.
The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated. With debt, the statues of limitation apply to the time period after you have become past due on your payments. In other words. You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 6 years
Written Contracts are 6 years
Promissory Notes are 6 years
Open Accounts (credit cards) are 3 years

Michigan Bankruptcy Courts

Detroit
211 West Fort Street
Detroit, Michigan 48226
               (313)234-0065

Flint
226 West Second Street
Flint, Michigan 48502
               (810)235-4126

Bay City
111 First Street
Bay City, Michigan 48708
               (989)894-8840

U.S. Bankruptcy Court, WDMI
One Division Avenue, N.
Room # 200
Grand Rapids, MI 49503-3132

U.S. Courthouse & Federal Building
410 West Michigan
Room 114
Kalamazoo, MI 49007

U.S. Post Office & Federal Courthouse
315 West Allegan Street, Room 101
Lansing, MI 48933

Logan Place West
3249 Racquet Club Drive
Traverse City, MI 49684

Post Office and Federal Courthouse
202 West Washington Street, 3rd Floor
Marquette, MI 49855
Phone:                (906) 226-2117

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your MI. state attorney general,

	Mike Cox (R)	(517) 373-1110
P.O.Box 30212, 525 W. Ottawa St., Lansing, MI 48909-0212 http://www.michigan.gov/ag

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Local 859-402-2402

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