Clear guide to Michigan debt collection: licensing, MCPA/FDCPA compliance, statute of limitations, communication limits, and choosing a compliant agency.
Michigan debt rules: most consumer debts have a 6-year limit, some credit-card/sale-of-goods debts 4 years, judgments enforceable 10 years; resets and FDCPA risks.
Washington’s 2025 laws ban medical debt credit reporting, cap interest at 9%, bar wage garnishment, and require itemized bills and strict collector limits.
Timeline and rules for suing on debts in Washington: 6 years for written/credit card, 3 years for oral/open accounts, 10 years for judgments, and when payments reset the clock.
Explains Indiana's debt statutes: 6-year limit for most consumer debts, 4-year UCC rule for goods, 10-year contracts, and 20-year judgments; resets and tolling.