How long can a debt collector legally pursue old debt in Michigan?
Jackson Reed
Updated on January 26, 2026
six years
Michigan has a statute of limitations of six years, which applies to all types of debts. This means that if a debt is more than six years overdue or hasn’t been paid in more than six years, creditors cannot take legal action.
What is the statute of limitations on a car loan in Michigan?
| Michigan Statute of Limitations on Debt | |
|---|---|
| Mortgage debt | 6 years |
| Credit card | 6 years |
| Auto loan debt | 4 years |
| State tax debt | 6 years |
Can collection agencies collect after 7 years?
In most states, if the debt is yours, the amount is correct, and the debt collector is entitled to collect, the collector can continue to ask you to pay the debt. Under the Fair Credit Reporting Act, debts can appear on your credit report generally for seven years and in a few cases, longer than that.
How long can they pursue you for a debt?
In California, there is generally a four-year limit for filing a lawsuit to collect a debt based on a written agreement.
Is there Statute of limitations on credit card debt in Michigan?
The statute of limitations on contracts under Michigan law is six years. This means that on the sixth anniversary of the agreement, or of the last payment on the agreement, the creditor no longer has the right to file suit and seek a court judgment to enforce the debt.
What is the Statute of limitations in Michigan?
The Basics of Michigan’s Statute of Limitations. The statute of limitations on contracts under Michigan law is six years. This means that on the sixth anniversary of the agreement, or of the last payment on the agreement, the creditor no longer has the right to file suit and seek a court judgment to enforce the debt.
Is there Statute of limitations on debt collection in California?
California Debt Collection Statutes of Limitation Written agreements: 4 years, calculated from the date of breach. Oral agreements: 2 years. The statute of limitation is stopped only if the debtor makes a payment on the account after the expiration of the applicable limitations period.
How long can a creditor collect on a debt in Michigan?
According to Michigan law, your creditor has up to 6 years (from the date of your last payment) to collect on a debt, including obtaining a judgment on the debt. By getting a judgment, your creditor can pursue collections (likely a garnishment) almost indefinitely as long as they renew the judgment every 10 years.
