Sued for Debt in Michigan? Here’s What to Do.

Statute of limitations

6 years in Michigan

Michigan’s statute of limitations on debt is 6 years, codified at MCL § 600.5807. The clock typically runs from: date of last payment.

If the time-bar has run, the debt may not be legally collectible in court — but you generally have to raise the defense yourself. It is not raised automatically.

Your rights

What Michigan law gives you

• Michigan Collection Practices Act (MCL §§ 445.251-445.258) gives you state-level protections beyond federal debt-collection law.
• Michigan requires debt buyers to establish ownership and provide account documentation.
• Michigan courts enforce arbitration clauses in credit card agreements under the Federal Arbitration Act.
• Cases in Michigan are heard in Michigan Circuit Court.

The one thing most people miss