Michigan Statute of Limitations for Debt Collection
In Michigan, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Mich. Comp. Laws § 600.5807(8).
- 6 years for all debt types.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
6 years for all debt types.
General Michigan Rules
Michigan provides 6 years for contract claims and 3 years for most tort claims. Medical malpractice has a unique structure: 2 years from the act or 6 months from discovery, whichever is later, subject to a 6-year statute of repose. Michigan requires a notice of intent before filing a medical malpractice lawsuit.
Other Statutes of Limitations in Michigan
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Michigan?
The statute of limitations for debt collection in Michigan is 6 years. Citation: Mich. Comp. Laws § 600.5807(8).
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When does the clock start for debt collection in Michigan?
6 years for all debt types.
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Can the statute of limitations for debt collection be extended in Michigan?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.