Statute of Limitations on Debt in Michigan
How long a creditor or collector has to sue you over a debt in Michigan, and whether a payment restarts the clock.
Short answer: 6 years to sue for breach of contract, written or oral. MCL 600.5807(1), (9)
| 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) |
|---|---|
| Time limit for credit cards and open accounts | 6 years, the same as other contract claims. Michigan law does not set a separate period for credit cards or open accounts. Source: MCL 600.5807(9) |
| Can a payment restart the clock? | Yes, but only in writing. A contract debt that is already time-barred is revived by an acknowledgment or promise to pay, but only if it is in a writing signed by the person who owes the debt. Source: MCL 600.5866 |
Where to get help in Michigan
More Michigan debt & collections
- Wage Garnishment in Michigan
- How to Respond to a Debt Collection Lawsuit in Michigan
- What Creditors Can't Take in Michigan
- All Michigan debt & collections rules
FAQ
What is the statute of limitations on debt in Michigan?
6 years to sue for breach of contract, written or oral.
How long can a creditor sue on a credit card debt in Michigan?
6 years, the same as other contract claims. Michigan law does not set a separate period for credit cards or open accounts.
Does making a payment restart the statute of limitations in Michigan?
Yes, but only in writing. A contract debt that is already time-barred is revived by an acknowledgment or promise to pay, but only if it is in a writing signed by the person who owes the debt.
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.