Legal Question in Credit and Debt Law in Michigan

Re: credit card debt repayment

The six-year statute of limitations runs from the date of last activity, usually the last payment. If the debt is 10 years old and it has been at least six years since you last made a payment, the debt should be uncollectable.

Re: credit card debt repayment

To be sure, I googled

"statute of limitations credit card debt michigan"

and got this site [http://www.fair-debt-collection.com/SOL-by-State.html#23], check out the statutes listed. One of them should apply.

Breach of Contract: 6 years, (MCL 600.5807(8).

Breach of Contract for Sale of goods under the UCC: 4 years: including deficiency actions following repossession and sale of goods subject to a security interest, (MCL 440.2725(1).

Judgments: 10 years, but are renewable by action for another 10 years, MCL.600.5809(3).

NOTE: Another state's limitation period may apply check statutes carefully.