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Credit Cards Lawyers Michigan

Are you one of the thousands of hardworking Michigan families trying to survive under the weight of backbreaking debts from credit cards? If you are, this cycle might sound familiar:

  • You use credit cards to pay for your day-to-day expenses.
  • When your bills are due, you can't afford to make more than the minimum payment.
  • You get hit with huge interest rates and late fees.
  • Then you rely on your cards to make it through the next month...
  • Or you use other cards to cover the interest charges.
  • … and the cycle repeats.

DebtStoppers is devoted to helping families like yours quit this nightmarish game of "credit card roulette." If you want to end the debt cycle, call or text DebtStoppers today at 313-880-3970 to schedule a free debt relief consultation with one of our experienced Michigan attorneys. We can help you stop the spend-and-pay cycle and get your finances back under control.

Michigan Statute of Limitations on Credit Card Debt

Under Michigan laws, the statute of limitations on your cards is 6 years. This means that if a creditor does not file a lawsuit to collect your unpaid debts within 6 years from the date you made your last payment or defaulted on the account, it's too late to sue you.

The Local Laws on Credit Card Debt Collection

While you might think you can just "wait it out" until the Michigan statute of limitations expires, there are plenty of legal loopholes your creditors can use to keep your debts active. A much better solution is to file for bankruptcy.

Filing for Chapter 7 bankruptcy in Michigan enables you to eliminate the balances on your credit cards entirely and get a new start. While the law permits some of your assets to be liquidated to pay back creditors, this rarely happens.

How To Protect Yourself From Collectors?

If you're fielding constant phone calls from debt collectors trying to harass you, filing for bankruptcy will also provide protection from their intimidation tactics. The moment your lawyer files your bankruptcy petition, the court will issue an automatic stay ordering your creditors to leave you alone. They won't even be allowed to call you!

If your creditors decide to ignore the automatic stay and continue to bother you, DebtStoppers will take them to court at our own cost to make them stop. We are committed to ensuring our clients secure the relief they need, both from debt and from creditors.

Ask an Attorney for Professional Assistance With Your Case

Trying to pay off debts on your credit cards can be an excruciating process, especially if you’re trying to do it alone. A knowledgeable attorney can help you wipe out your debt — credit cards included! — and move on with your life.

Call or text DebtStoppers today at 313-880-3970 to request a free debt evaluation with one of our practiced Michigan lawyers. A DebtStoppers bankruptcy plan can get your family out of the destructive cycle of debt and set you on the path to prosperity.

DebtStoppers is one of the only law firms in Michigan that offers a genuine $0-down Chapter 7 bankruptcy. We'll even advance the $335 filing fee, so you don't have to wait a second more to eliminate your debts. Call or text us today at 313-880-3970 to schedule your free consultation!