What is the statute of limitations on credit card debt in Michigan?

six years
Michigan has a statute of limitations of six years, which applies to all types of debts. This means that if a debt is more than six years overdue or hasn’t been paid in more than six years, creditors cannot take legal action.

What happens to credit card debt when you get married?

Spouses retain their individual credit reports and credit scores after marriage; there’s no such thing as a couple’s credit report. And if you take out a loan or a credit card account jointly with your spouse, you’re both equally responsible for the payments.

How long can a creditor come after you in Michigan?

6 years
According 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.

Who is liable for a credit card debt in Michigan?

Michigan is a common law state regarding family law. In other words, Michigan is not a community property state. Generally speaking, if the spouses never resided in a community property state, and only one spouse signed the loan contract (such as a credit card agreement), then the signatory-spouse is liable for the debt.

When is one spouse liable for a credit card debt?

Generally speaking, if the spouses never resided in a community property state, and only one spouse signed the loan contract (such as a credit card agreement), then the signatory-spouse is liable for the debt.

Can a non-signatory spouse be liable for a Michigan debt?

Conversely, the non-signatory spouse does not share in his or her spouse’s liabilities in non-community property states. If you and your spouse are Michigan residents and were residents when you incurred the debt, then the rule I just outlined applies to you. However, if you resided in a community property state then more complex rules apply.