How to Respond to a Debt Collection Lawsuit in Michigan
The deadline to answer a debt lawsuit in Michigan, where to file, and what happens if you don't respond.
Short answer: You have 21 days after receiving the summons and complaint to file a written answer with the court and serve a copy on the other party (28 days if served by mail or outside Michigan). SCAO Summons form MC 01; MCL 600.8404 (small claims)
| Answering a debt lawsuit | You have 21 days after receiving the summons and complaint to file a written answer with the court and serve a copy on the other party (28 days if served by mail or outside Michigan). If you do not answer, judgment may be entered against you. In small claims court, you must appear at the hearing instead. MCL 600.8404: https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-600-8404 |
|---|---|
| Time limit to sue on a written contract | 6 years to sue for breach of contract, written or oral. Source: MCL 600.5807(1), (9) |
| How long a judgment lasts | 10 years for a judgment of a Michigan court of record (6 years for small claims and other courts not of record). Within that time, the creditor may sue on the judgment to obtain a new judgment, which starts a new period. Source: MCL 600.5809(3) |
Where to get help in Michigan
More Michigan debt & collections
- Statute of Limitations on Debt in Michigan
- Wage Garnishment in Michigan
- What Creditors Can't Take in Michigan
- All Michigan debt & collections rules
FAQ
How do I respond to a debt collection lawsuit in Michigan?
You have 21 days after receiving the summons and complaint to file a written answer with the court and serve a copy on the other party (28 days if served by mail or outside Michigan). If you do not answer, judgment may be entered against you. In small claims court, you must appear at the hearing instead.
What is the statute of limitations on debt in Michigan?
6 years to sue for breach of contract, written or oral.
How long does a court judgment last in Michigan?
10 years for a judgment of a Michigan court of record (6 years for small claims and other courts not of record). Within that time, the creditor may sue on the judgment to obtain a new judgment, which starts a new period.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.