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Statute of Limitations for Michigan ing to Michigan law, creditors have up to 6 years to collect debt, including obtaining a judgment on the debt. However, by getting a judgment, your creditor can pursue collections indefinitely as long as they renew the judgment every 10 years.

Statute of Limitations for Michigan ing to Michigan law, creditors have up to 6 years to collect debt, including obtaining a judgment on the debt. However, by getting a judgment, your creditor can pursue collections indefinitely as long as they renew the judgment every 10 years.

Don't provide personal or sensitive financial information Never give out or confirm personal or sensitive financial information ? such as your bank account, credit card, or full Social Security number ? unless you know the company or person you are talking with is a real debt collector.

What happens after 10 years of not paying debt? Typically, after 10 years of not paying debt, the statute of limitations will have passed. This means that while you technically still owe the debt, debt collectors may try to collect it, but they typically cannot pursue legal action against you.

Ing to Michigan law, your creditor has up to 6 years (from the date of your last payment) to collect on a debt, including obtaining a judgment on the debt. By getting a judgment, your creditor can pursue collections (likely a garnishment) almost indefinitely as long as they renew the judgment every 10 years.

If a debt is 10 years old but you were making payments until three years ago, the debt is likely still within the statute of limitations and can be pursued by a debt collector.