Debt Payoff Guide is a free service that connects consumers with third-party debt-relief providers. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, and we do not provide financial, legal, or tax advice. Information here is general and not a recommendation.
In Michigan, for-profit debt-relief providers are overseen by the Michigan Attorney General's office, and federal law (the FTC's Telemarketing Sales Rule) bars telemarketed debt-relief companies from charging fees before a debt is settled. The statute of limitations on most written consumer debt here is generally 6 years, after which a creditor usually cannot sue you to collect, though making a payment can restart that clock. Always confirm a provider is registered to operate in Michigan before you enroll.
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