What happens if I dispute a debt with the debt collector?

If you believe that a debt collector has contacted you about a debt that is not yours, or is inaccurate in some way, you can dispute it. In Michigan, you can dispute the debt in writing and send it to the debt collector. The debt collector must then investigate the disputed debt and provide you with a written response within 30 days. If the debt collector finds that the debt is incorrect, they must stop collections activity and provide you with a written notice. This notice must explain the results of the investigation, including whether the debt was verified or not. Additionally, the notice must explain the process for filing a complaint with the Michigan Attorney General if you feel that the debt collector has violated the Fair Debt Collection Practices Act (FDCPA). If the debt collector verifies the debt, they must provide you with a written notice stating the amount of the debt and your right to dispute it within 30 days. You then have the right to dispute the validity of the debt or the amount you owe. When you dispute a debt, the collector must stop collection activities until they have provided you with verification of the debt. If the debt collector continues to try to collect the debt without providing verification, you may be able to take legal action against them.

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