Debt Collector Harassment in Saginaw, MI

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Saginaw, Michigan there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.

Debt Collector Harassment in Saginaw, Michigan

The Michigan Attorney General makes an effort to inform the public about potential violations of the law by debt collectors. Among the advice they provide to consumers, they notify people of what constitutes direct rule-breaking. Some of the illegal activities listed to take notice of in Saginaw include:

  • Sending documents meant to look like they come from a government agency or court
  • Giving you a fake company name to hide their purpose for calling
  • Trying to demoralize or oppress consumers with obscene language
  • Lying to you about representing a government agency or local law enforcement

If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Saginaw attorney can help you identify your options and build a strong case.


Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other Illegal Debt Collection Practices below:

  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Saginaw, MI debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney that understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Saginaw such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

In 2021, the Better Business Bureau lists 27 collection agencies in Saginaw and the surrounding area. Out of these companies, these three have achieved an A+ rating:

  • CBC Credit Services
  • CBM Services
  • Client Financial Services of Michigan

What Should You Do If You’ve Been Harassed By a Debt Collector In Saginaw, Michigan?

Step 1: Know Your Rights

If you think Saginaw debt collectors are harassing you, then it’s important to become familiar with the Basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

Have you been harassed in Saginaw, MI by a debt collector? If so, it’s important to begin to gather evidence.

Market Watch recently published updated rules to consider documenting for your lawsuit. If you request no contact in writing and the communication persists, that’s an excellent example of rule-breaking to prove. Additionally, you may want to keep track of the following in a journal or spreadsheet:

  • Names of the representatives that contact you
  • Dates of contact
  • Time of day you received phone calls
  • Content of the conversation with collectors

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Saginaw debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Saginaw, MI debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Saginaw attorneys that understand What to Expect When Suing for Debt Collection Harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Saginaw, MI debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Your attorney from Saginaw may choose to file a complaint against the collector in the 70th District Court. If your lawsuit seeks a remedy through the federal courts, the U.S. District Court of the Eastern District of Michigan will have jurisdiction. No matter where your case goes, everyone wants to expect the awards a judge or jury may grant them. Everything depends on the damages you present and how the court evaluates them based on recent precedent.

Work With an Experienced Saginaw, Michigan Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Saginaw, MI it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Michigan state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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