Can a debt collector threaten to take legal action against me for a debt?

In Michigan, debt collectors generally cannot threaten to take legal action against you until they follow a set of specific rules. Under Michigan law, a debt collector must always communicate with you in a professional and polite manner. If you receive a threatening letter from a debt collector, you should contact the Consumer Protection Division of the Michigan Department of Attorney General for assistance. Debt collectors in Michigan are also rightly not allowed to mislead or deceive people about their rights in dealing with debt collection. This includes threats of legal action or harassment that are not based in fact. Furthermore, debt collectors must provide detailed information about the debt including the amount, the creditor, and the date the debt was incurred. It is also important to note that debt collectors cannot threaten to take legal action against you if you do not agree to their proposed payment terms. This would be considered an illegal form of coercion. Any debt collector who does this may be in violation of the Fair Debt Collection Practices Act. You should contact the Consumer Protection Division of the Michigan Department of Attorney General for further assistance if this happens to you.

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Can a debt collector threaten to take legal action against me for a debt?

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