Skip to content
Debt Collection
Free Legal Help

Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Credit Services of Michigan?*

Stop the

You have legal rights. We can help.


Are you being called by Credit Services of Michigan?* Here’s what you need to know

Debt collectors harass people using a variety of methods. Common examples include using abusive language, calling every day, and threatening to garnish your wages. Such conduct is 100% illegal, but the regular offenders bank on the fact that most consumers are too unfamiliar with their rights to protest.

Your Rights Under the FDCPA

If a debt collector is harassing you in any way, they are breaking federal law. The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from using unfair or deceptive methods like those below to collect a debt.

  • Calling you before 8:00 a.m. and after 9:00 p.m. in the your time zone
  • Maliciously reporting inaccurate information to the credit bureaus
  • Trying to collect after you have formally disputed a debt
  • Trying to collect an amount that is not authorized by law or the original creditor agreement
  • Using profane and obscene language
  • Pretending to be lawyers or members of law enforcement

Credit Services of Michigan

Need Help With Credit Services Michigan?

Call for a Free Case Evaluation Now!

Company Profile: Credit Services of Michigan

If you are being called by Credit Services of Michigan, information about the company is below.

Credit Services of Michigan is a debt collection company located in Saginaw, Michigan. It was established in 2001, has 10 to 19 employees, and is managed by Vice-President Debra Beffrey. Court records at the PACER (Public Access to Court Electronic Records) website suggest that consumers who felt they were being harassed by Credit Services of Michigan opted to take the matter to court instead of pay.

Need Help With Credit Services Michigan?

Call for a Free Case Evaluation Now!

Alleged Violations against Credit Services of Michigan

According to PACER, in early 2016 a Michigan resident checked his credit report and found that Credit Services of Michigan had reported a debt that he did not believe he owed. He disputed it directly with the company by letter on April 19, 2016, but when he examined his report again on June 28, 2016, he saw that Credit Services of Michigan had failed to report the debt as disputed, causing his credit score to drop by over 60 points.

Feeling harassed by Credit Services of Michigan, he hired a consumer attorney and sued the company for violating the FDCPA in the following ways:

The matter was later settled.

Need Help With Credit Services Michigan?

Call for a Free Case Evaluation Now!

Hire an Attorney

The phone numbers for this debt collection agency are as follows:

If you see either one of them on your caller ID when a call comes in, be aware that you are being called by Credit Services of Michigan. If they fail to report a debt as disputed when you notify them of the fact, hire a consumer attorney. If you file a claim against Credit Services of Michigan with your attorney’s help and win, you could be awarded statutory damages of $1,000 per FDCPA violation plus applicable legal costs. This is how collection agencies learn that violating consumer rights is an expensive mistake.

*Case taken from PACER ( File number is 1:17-cv-11693-TLL-PTM from the United States District Court for the Eastern District of Michigan, Northern Division.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Credit Services of Michigan, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
Be the first to comment

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.