For Individuals
Professional help recovering personal debts — handled with discretion and care.
Personal Debt Recovery Services
Trying to recover money owed to you personally can be stressful, time-consuming, and emotionally difficult — especially when the debtor is someone you know. Credit Services of Michigan provides the same professional expertise and ethical standards we offer businesses, tailored to individual situations.
Our commission-based model means you pay nothing unless we successfully recover funds on your behalf. We handle the difficult conversations so you don’t have to.
Common Situations We Handle
Unpaid Personal Loans
Money lent to friends, family members, or acquaintances that has not been repaid according to agreed terms.
Landlord-Tenant Matters
Unpaid rent, security deposit disputes, and property damage claims beyond normal wear and tear.
Unpaid Services
Personal or freelance services rendered but never compensated — consulting, contracting, or professional work.
Contract Disputes
Written or verbal agreements where one party has failed to fulfill their financial obligations.
Judgment Enforcement
You obtained a court judgment but need professional assistance collecting the amount owed.
Sole Proprietor Receivables
Small business owners operating as individuals who need help recovering business-related debts.
Your Rights — and Theirs — Are Protected
We operate under strict consumer protection guidelines. Every communication with debtors is conducted respectfully and within the bounds of the Fair Debt Collection Practices Act and Michigan law. We never use harassment, threats, misrepresentation, or deceptive practices.
As our client, you can trust that we will represent your interests professionally while treating all parties with the dignity they deserve. This balanced approach often leads to better outcomes — debtors are more likely to engage when treated fairly.
What to Expect
- Free Consultation — Describe your situation and provide any documentation you have (contracts, invoices, correspondence).
- Assessment — We evaluate the account, explain our process, and discuss realistic recovery expectations.
- Professional Recovery — If you proceed, we contact the debtor through compliant channels on your behalf.
- Results — Collected funds are remitted to you promptly, minus our agreed-upon commission.
Discuss Your Situation Confidentially
Every conversation is private. There is no cost to explore your options.