State complaint profile

Debt collection complaints in Michigan

26,445 CFPB complaints filed against 1,317 debt collectors active in Michigan.

Complaints
26,445
Collectors
1,317
Top collector
Encore Capital Group Inc.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Michigan at a glance

Michigan consumers have filed 26,445 CFPB debt-collection complaints against 1,317 collectors.

26,445
CFPB complaints filed
1,317
collectors active here
#1
most-complained: Encore Capital Group Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in Michigan

Michigan filings are dispersed: the top three collectors hold only 0% of 26,445 complaints.

This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.

The collector with the most complaints from Michigan residents in this extract is Encore Capital Group Inc. (0% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 13

Sorted by most complaints

Independence Capital Recovery, LLC

D
3 total complaints ↑ rising

Kratochvil Law, P.C.

B
3 total complaints ↑ rising

Leading Edge Recovery Solutions, LLC

C
3 total complaints ↓ falling

M.A.R.S., Inc.

D
3 total complaints → stable

Med-1 Solutions, LLC

F
3 total complaints ↓ falling

Medical Financial Services, Inc.

C
3 total complaints ↓ falling

Merchants and Professional Bureau, Inc.

D
3 total complaints ↓ falling

Mercury Financial Intermediate LLC

D
3 total complaints ↑ rising

Michigan Legal Specialists, P.C.

A
3 total complaints ↓ falling

Modern Adjustment Bureau

D
3 total complaints ↑ rising

Mountain Run Solutions, LLC

F
3 total complaints ↓ falling

N.A.R., Inc.

D
3 total complaints ↓ falling

National Capital Solutions

F
3 total complaints ↑ rising

Nationwide Credit & Collection, Inc.

D
3 total complaints → stable

Nationwide Recovery Systems, Ltd

D
3 total complaints ↓ falling

Northeast Collection Bureau

F
3 total complaints ↓ falling

Northwestern Mediation Services

F
3 total complaints → stable

Professional Business Bureau Inc

B
3 total complaints ↓ falling

Paramount GR Holdings, LLC

F
3 total complaints ↑ rising

Patient Accounting Service Center

D
3 total complaints → stable

Professional Recovery Management

F
3 total complaints ↑ rising

RJM Acquisition LLC

C
3 total complaints ↓ falling

Rauch-Milliken International, Inc.

D
3 total complaints ↓ falling

Receivables Outsourcing, Inc.

D
3 total complaints ↓ falling

Recovery Management Solutions LLC

F
3 total complaints ↑ rising

Revenue Recovery Corporation

D
3 total complaints ↓ falling

Roadrunner Account Services, LLC

D
3 total complaints ↑ rising

Security Credit Systems Inc

D
3 total complaints ↓ falling

Scott Fetzer Financial Group Inc.

C
3 total complaints ↑ rising

Second Alliance, Inc.

C
3 total complaints ↑ rising

State Collection Service, Inc.

D
3 total complaints ↓ falling

States Recovery Systems, Inc.

D
3 total complaints → stable

TNT Financial, Inc.

C
3 total complaints → stable

Thaxton Investment Corporation

D
3 total complaints ↑ rising

Unified Global Group

B
3 total complaints ↓ falling

United Recovery Group, LLC (Closed)

C
3 total complaints ↓ falling

Uplift, Inc

D
3 total complaints ↓ falling

Virtuoso Sourcing Group, LLC.

F
3 total complaints ↓ falling

Veldos, LLC

B
3 total complaints ↓ falling

Viking Client Services

C
3 total complaints → stable

Worldwide Processing Group, LLC

F
3 total complaints ↓ falling

A & O Recovery Solutions, LLC

F
2 total complaints ↑ rising

A.R.M. Solutions, Inc.

C
2 total complaints ↓ falling

AA Recovery Solutions, Inc.

F
2 total complaints ↓ falling

Access Group Inc.

B
2 total complaints ↓ falling

Alchro Inc.

F
2 total complaints → stable

Alliant Credit Union

D
2 total complaints ↑ rising

Aaron Worldwide Collections Inc.

B
2 total complaints ↓ falling

Action Financial Services, LLC

C
2 total complaints ↓ falling

Adler Wallach & Associates, Inc.

D
2 total complaints ↓ falling

If a collector is contacting you in Michigan

High-volume states still start with the federal record, then verify any state-law question with an official source.

  • Start with the densest Michigan names on the chart, then open each national record before you respond or pay. Browse rankings
  • Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
  • File with the CFPB first (public record + 15-day company reply), then check official Michigan AG channels if needed. Your rights

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with Michigan

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Filing a Complaint as a Michigan Resident

Michigan's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the Michigan attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.