Pay for Delete Letter in Michigan
An offer to pay a collection account in exchange for the collector asking the credit bureaus to remove it. Collectors are not required to agree; get any agreement in writing before you pay, and check your state's rules on whether a payment restarts the time limit to sue (below).
What Michigan law says
| 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 |
|---|---|
| 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) |
Fill it in
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[today's date]
To: [collection agency name and address]
Re: Account [account number]
I am willing to pay $[amount offered] to resolve this account in full, on the condition that you ask each credit bureau to remove the account from my credit reports.
If you agree, please confirm these terms in writing on your letterhead before I send payment.
This letter is not an acknowledgment that I owe the debt.
[your name], [your address]
Pay for Delete Letter for other states · Michigan tenant rights
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.