Are there any laws that protect me from debt collectors?

Yes, there are laws that protect you from debt collectors in Michigan. The federal Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors from harassing or abusing you while collecting a debt. Under the FDCPA, debt collectors may not call you before 8 a.m. or after 9 p.m. or use profane language. Additionally, debt collectors may not threaten you with violence or misrepresent the amount of debt you owe. In Michigan, the state legislature passed the Michigan Collection Practices Act (MCPA) in 2010. This law gives you extra rights on top of the FDCPA. Under the MCPA, debt collectors cannot call you at work if they know that your employer does not allow it, nor can they make false statements about your debt or the potential for legal proceedings. The MCPA also requires debt collectors to provide you with an itemized list of any fees they may be charging you if you are unable to pay the debt in full. In summary, you are protected from harassing debt collectors in Michigan by the federal FDCPA and the state MCPA.

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Are there any laws that protect me from debt collectors?

Are there any laws that protect me from debt collectors?

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