What is the statute of limitations for collecting a debt (specifically Credit Card) in the State of Michigan?


credit card debt
R. L asked:


Some say the S.O.L. in Michigan for credit card debt collection is 4 years. Some say 6 while I’ve even heard others say 5. There must be a definitive answer.– Also, if you file an answer to a comlaint is this the only defense you need to raise in order to get the suit dismissed?

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5 Responses to What is the statute of limitations for collecting a debt (specifically Credit Card) in the State of Michigan?

  1. stan c
    October 21, 2009 at 9:30 pm

    Michigan Statutes of Limitation

    Breach of Contract: 6 years, (MCL 600.5807(8).

    Breach of Contract for Sale of goods under the UCC: 4 years: including deficiency actions following repossession and sale of goods subject to a security interest, (MCL 440.2725(1).

    Judgments: 10 years, but are renewable by action for another 10 years, MCL.600.5809(3).

    NOTE: Another state’s limitation period may apply check statutes carefully.

  2. cheryl r
    October 24, 2009 at 6:50 am

    I thought it was longer than that. Like 7. Not sure though.

  3. crazyjester9
    October 27, 2009 at 2:15 pm

    Michigan has a 6 year SOL across the board. Credit Cards are defined as “open ended accounts” under the Truth In Lending Act.

    The SOL expiring is an affirmative defense. If the SOL has expired before they file suit then not only can the case be thrown out, THEY can be held liable for filing suit on a time barred debt.

  4. DAS
    October 27, 2009 at 9:24 pm

    I think it is 6 or 7 years but check with an attorney or legal aide person in your state.

  5. Jennifer
    October 30, 2009 at 7:35 am

    Hi,
    I used “Credit Solution” to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It’s legitimate. Icame across this company on NBC News Special Edition.Check it out here:

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