Michigan Debt Relief Reviews / Case Studies

Detroit Michigan Debt Relief & Settlment Consolidation CompanyI am on fixed income and I can no longer afford my minimum payments. I want to avoiid bankruptcy at all costs. I am looking for a program with a clear end in sight. Read Case Study

Location: Detroit, Michigan

Warren Michigan Debt Relief Settlement Consolidation CompaniesI went through a divorce and had to use the credit to get myself back on my feet. I am making payments on everything but can only afford the minimums. I am, now looking to set a plan in place that will resolve the debts much faster. Read Case Study

Location: Warren, Michigan

Michigan

Michigan is well known as the home of America’s cars, but that is not what drives Michigan’s economy. Instead, Michigan has a diverse economy based on finance, insurance and real estate. Michigan is ranked #10 for population and #18 for population density.

As of 2018, over 9.9 million people called Michigan home. Detroit is the largest city in Michigan.

Income

The median state income is $57,091. As of 2018, the minimum wage is $9.25 per hour. Unfortunately, 20.2% of Michigander children under 18 live in poverty. For residents overall, 15% of all people in Michigan live under the poverty level.

  • Median state income: $57,091
  • Minimum wage: $9.25/hour
  • Children in poverty: 20.2%
  • People in poverty: 15%

Is Michigan a Community Property State?

Unfortunately, Michigan is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of Michigan, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Homeowners


More than half (72.9%) of Michiganders hold a mortgage. The median home price in Michigan is $149,900 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 72.9%
  • Median home price: $149,900

Employment

Michigan has a current unemployment rate of 4.8%. However, the underemployment rate is 10.3%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Michigan debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 4.8% (2018)
  • Underemployment: 10.3% (2017)

Michigan Debt

Michiganders carry a lot of debt. The average credit card debt is $6,082 (2018). The average student loan debt is $29,450. Michigan is in the top 10 states with lowest average mortgage debt. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Michiganders to get into debt.

  • Avg credit card debt: $6,082 (2018)
  • Avg mortgage debt: $135,240 (2017)
  • Avg student loan debt: $29,450 (2017)

Michigan Statute of Limitations

Michigan’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Michigan, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 6 years
  • Written contracts: 6 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 6 years

Michigan Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Michiganders are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices.In addition, the Michigan Fair Debt Collection Practices Act (MFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Michigan.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Michigan Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Michigan Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Michigan Cities Served by Pacific Debt

Addison village
Adrian
Ahmeek village
Akron village
Alanson village
Albion
Algonac
Allegan
Allen village
Allendale
Allen Park
Alma
Almont village
Alpena
Alpha village
Ann Arbor
Applegate village
Argentine
Armada village
Ashley village
Athens village
Atlanta
Auburn
Auburn Hills
Au Gres
Augusta village
Au Sable
Bad Axe
Baldwin village
Bancroft village
Bangor
Baraga village
Barnes Lake-Millers Lake
Baroda village
Barryton village
Barton Hills village
Battle Creek
Bay City
Beal City
Bear Lake village
Beaverton
Beecher
Beechwood
Belding
Bellaire village
Belleville
Bellevue village
Benton Harbor
Benton Heights
Benzonia village
Berkley
Berrien Springs village
Bessemer
Beulah village
Beverly Hills village
Big Bay
Big Rapids
Bingham Farms village
Birch Run village
Birmingham
Blissfield village
Bloomfield Hills
Bloomfield Township
Bloomingdale village
Boyne City
Boyne Falls village
Breckenridge village
Breedsville village
Bridgeport
Bridgman
Brighton
Britton village
Bronson
Brooklyn village
Brown City
Brownlee Park
Buchanan
Buckley village
Buena Vista
Burlington village
Burr Oak village
Burt
Burton
Byron village
Byron Center
Cadillac
Caledonia village
Calumet village
Camden village
Canada Creek Ranch
Canadian Lakes
Canton
Capac village
Carleton village
Carney village
Caro village
Carrollton
Carson City
Carsonville village
Caseville village
Casnovia village
Caspian
Cass City village
Cassopolis village
Cedar Springs
Cement City village
Center Line
Central Lake village
Centreville village
Charlevoix
Charlotte
Chatham village
Cheboygan
Chelsea village
Chesaning village
Clare
Clarksville village
Clawson
Clayton village
Clifford village
Climax village
Clinton village
Clinton
Clio
Coldwater
Coleman
Coloma
Colon village
Columbiaville village
Comstock Northwest
Comstock Park
Concord village
Constantine village
Coopersville
Copemish village
Copper City village
Corunna
Croswell
Crystal Falls
Custer village
Cutlerville
Daggett village
Dansville village
Davison
Dearborn
Dearborn Heights
Decatur village
Deckerville village
Deerfield village
De Tour Village village
Detroit
Detroit Beach
De Witt
Dexter village
Dimondale village
Douglas village
Dowagiac
Dryden village
Dundee village
Durand
Eagle village
East Grand Rapids
East Jordan
Eastlake village
East Lansing
Eastpointe
East Tawas
Eastwood
Eaton Rapids
Eau Claire village
Ecorse
Edgemont Park
Edmore village
Edwardsburg village
Elberta village
Elk Rapids village
Elkton village
Ellsworth village
Elsie village
Emmett village
Empire village
Escanaba
Essexville
Estral Beach village
Evart
Fairgrove village
Fair Plain
Farmington
Farmington Hills
Farwell village
Fennville
Fenton
Ferndale
Ferrysburg
Fife Lake village
Flat Rock
Flint
Flushing
Forest Hills
Forestville village
Fountain village
Fowler village
Fowlerville village
Frankenmuth
Frankfort
Franklin village
Fraser
Freeland
Freeport village
Free Soil village
Fremont
Fruitport village
Gaastra
Gagetown village
Gaines village
Galesburg
Galien village
Garden village
Garden City
Gaylord
Gibraltar
Gladstone
Gladwin
Gobles
Goodrich village
Grand Beach village
Grand Blanc
Grand Haven
Grand Ledge
Grand Rapids
Grandville
Grant
Grass Lake village
Grayling
Greater Galesburg
Greenville
Greilickville
Grosse Ile
Grosse Pointe
Grosse Pointe Farms
Grosse Pointe Park
Grosse Pointe Shores village
Grosse Pointe Woods
Gwinn
Hamtramck
Hancock
Hanover village
Harbor Beach
Harbor Springs
Harper Woods
Harrietta village
Harrison
Harrison
Harrisville
Hart
Hartford
Harvey
Haslett
Hastings
Hazel Park
Hemlock
Hersey village
Hesperia village
Highland Park
Hillman village
Hillsdale
Holland
Holly village
Holt
Homer village
Honor village
Hopkins village
Houghton
Houghton Lake
Howard City village
Howell
Hubbard Lake
Hubbardston village
Hubbell
Hudson
Hudsonville
Huntington Woods
Imlay City
Indian River
Inkster
Ionia
Iron Mountain
Iron River
Ironwood
Ishpeming
Ithaca
Jackson
Jenison
Jonesville village
Kalamazoo
Kaleva village
Kalkaska village
Keego Harbor
Kent City village
Kentwood
Kinde village
Kingsford
Kingsley village
Kingston village
K. I. Sawyer AFB
Laingsburg
Lake Angelus
Lake Ann village
Lake City
Lake Fenton
Lake Linden village
Lake Michigan Beach
Lake Odessa village
Lake Orion village
Lakeview village
Lakewood Club village
Lambertville
L’Anse village
Lansing
Lapeer
Lathrup Village
Laurium village
Lawrence village
Lawton village
Lennon village
Leonard village
Le Roy village
Leslie
Level Park-Oak Park
Lewiston
Lexington village
Lincoln village
Lincoln Park
Linden
Litchfield
Livonia
Lost Lake Woods
Lowell
Ludington
Luna Pier
Luther village
Lyons village
McBain
McBride village
Mackinac Island
Mackinaw City village
Madison Heights
Mancelona village
Manchester village
Manistee
Manistique
Manitou Beach-Devils Lake
Manton
Maple Rapids village
Marcellus village
Marine City
Marion village
Marlette
Marquette
Marshall
Martin village
Marysville
Mason
Mattawan village
Maybee village
Mayville village
Mecosta village
Melvin village
Melvindale
Memphis
Mendon village
Menominee
Merrill village
Mesick village
Metamora village
Michiana village
Michigamme
Michigan Center
Middletown
Middleville village
Midland
Milan
Milford village
Millersburg village
Millington village
Minden City village
Mineral Hills village
Mio
Monroe
Montague
Montgomery village
Montrose
Morenci
Morley village
Morrice village
Mount Clemens
Mount Morris
Mount Pleasant
Muir village
Mulliken village
Munising
Muskegon
Muskegon Heights
Napoleon
Nashville village
Negaunee
Newaygo
New Baltimore
Newberry village
New Buffalo
New Era village
New Haven village
New Lothrop village
Niles
North Adams village
North Branch village
North Muskegon
Northport village
Northview
Northville
Norton Shores
Norway
Novi
Oakley village
Oak Park
Okemos
Olivet
Omer
Onaway
Onekama village
Onsted village
Ontonagon village
Orchard Lake Village
Ortonville village
Oscoda
Ossineke
Otisville village
Otsego
Otter Lake village
Ovid village
Owendale village
Owosso
Oxford village
Palmer
Parchment
Parma village
Paw Paw village
Paw Paw Lake
Pearl Beach
Peck village
Pellston village
Pentwater village
Perrinton village
Perry
Petersburg
Petoskey
Pewamo village
Pierson village
Pigeon village
Pinckney village
Pinconning
Plainwell
Pleasant Ridge
Plymouth
Plymouth Township
Pontiac
Portage
Port Austin village
Port Hope village
Port Huron
Portland
Port Sanilac village
Posen village
Potterville
Powers village
Prescott village
Prudenville
Quincy village
Quinnesec
Ravenna village
Reading
Redford
Reed City
Reese village
Republic
Richland village
Richmond
River Rouge
Riverview
Robin Glen-Indiantown
Rochester
Rochester Hills
Rockford
Rockwood
Rogers City
Romeo village
Romulus
Roosevelt Park
Roscommon village
Rosebush village
Rose City
Roseville
Rothbury village
Royal Oak
Saginaw
Saginaw Township North
Saginaw Township South
St. Charles village
St. Clair
St. Clair Shores
St. Helen
St. Ignace
St. Johns
St. Joseph
St. Louis
Saline
Sand Lake village
Sandusky
Sanford village
Saranac village
Saugatuck
Sault Ste. Marie
Schoolcraft village
Scottville
Sebewaing village
Shelby
Shelby village
Shepherd village
Sheridan village
Sherwood village
Shields
Shoreham village
Shorewood-Tower Hills-Harbert
Skidway Lake
Southfield
Southgate
South Gull Lake
South Haven
South Lyon
South Monroe
South Range village
South Rockwood village
Sparta village
Spring Arbor
Springfield
Spring Lake village
Springport village
Stambaugh
Standish
Stanton
Stanwood village
Stephenson
Sterling village
Sterling Heights
Stevensville village
Stockbridge village
Stony Point
Sturgis
Sunfield village
Suttons Bay village
Swartz Creek
Sylvan Lake
Tawas City
Taylor
Tecumseh
Tekonsha village
Temperance
Thompsonville village
Three Oaks village
Three Rivers
Traverse City
Trenton
Trowbridge Park
Troy
Turner village
Tustin village
Twining village
Twin Lake
Ubly village
Union City village
Unionville village
Utica
Vandalia village
Vanderbilt village
Vandercook Lake
Vassar
Vermontville village
Vernon village
Vicksburg village
Village of Clarkston
Village of Lake Isabella village
Wakefield
Waldron village
Walker
Walkerville village
Walled Lake
Warren
Waterford
Watervliet
Waverly
Wayland
Wayne
Webberville village
Weidman
West Bloomfield Township
West Branch
West Ishpeming
Westland
West Monroe
Westphalia village
Westwood
White Cloud
Whitehall
White Pigeon village
Whitmore Lake
Whittemore
Williamston
Wixom
Wolf Lake
Wolverine village
Wolverine Lake village
Woodhaven
Woodland village
Woodland Beach
Wyandotte
Wyoming
Yale
Ypsilanti
Zeeland
Zilwaukee

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