FDCPA Violation Demand Letter - Michigan
FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MICHIGAN
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Michigan Collection Practices Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Michigan resident.
I. VIOLATIONS IDENTIFIED
Federal FDCPA Violations:
☐ Validation notice failure (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)
Michigan Regulation of Collection Practices Act (MCL Section 445.252; regulated-person classification required):
☐ Harassment or threats (Section 445.252(a))
☐ Unfair practices (Section 445.252(b)-(f))
☐ Fraudulent or deceptive conduct (Section 445.252(g))
Michigan Consumer Protection Act (MCL Section 445.903):
☐ Unfair, unconscionable, or deceptive trade practices
II. MICHIGAN LEGAL FRAMEWORK
Michigan Occupational Code (collection agencies)
MCL Section 339.901 defines a collection agency. MCL Section 339.915 prohibits specified conduct by a licensee, including misleading communications, simulated legal process, deceptive statements, certain third-party communications, harassment, and profane or obscene language.
Michigan Regulation of Collection Practices Act
MCL Section 445.251 defines a collection agency separately from a regulated person. MCL Section 445.252 prohibits specified conduct by a regulated person. Confirm whether the sender is a collection agency governed by Occupational Code article 9 or a regulated person covered by the Regulation of Collection Practices Act before selecting a state-law theory.
For a regulated person, MCL Section 445.252 prohibits:
- Harassing, oppressive, or abusive conduct
- False representation of legal action
- Unauthorized practice of law
- Obscene or profane language
- Publication of debt information
- Fraudulent or deceptive conduct
Michigan Consumer Protection Act
MCL Section 445.903 lists specific unfair trade practices applicable to debt collection.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Actual Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[MICHIGAN BAR NUMBER]
MICHIGAN-SPECIFIC REFERENCE
| Element | Michigan Law |
|---|---|
| Occupational Code, collection agencies | MCL Sections 339.901 et seq.; prohibited acts at MCL Section 339.915 |
| Regulation of Collection Practices Act | MCL Sections 445.251 et seq.; MCL Section 445.252 applies to regulated persons defined in MCL Section 445.251(g) |
| Consumer Protection Act | MCL Section 445.901 et seq. |
| State Enforcement | Michigan AG |
Consult a Michigan-licensed attorney before use.
About this template
- Last updated
- September 24, 2026
- Jurisdiction
- Michigan
- Category
- Demand Letters
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
The statutes this template relies on are listed under Legal authority.
MCL 339.901 (checked October 9, 2026): "Collection agency means a person that is directly engaged in collecting or attempting to collect a claim owed or due or asserted to be owed or due another."
MCL 339.915 (checked October 9, 2026): "A licensee shall not commit 1 or more of the following acts."
MCL 445.251 (checked October 9, 2026): "Regulated person means a person whose collection activities are confined and are directly related to the operation of a business other than that of a collection agency."
MCL 445.252 (checked October 9, 2026): "A regulated person shall not commit 1 or more of the following acts."
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