Legal Question in Credit and Debt Law in Michigan

Well first of all you need to determine if this debt settlement company is operating consistent with Michigan law. Many of these are out of state companies or law firms that offer programs that simply are not allowed unless they are licensed under another Michigan law. It will depend upon the company you are dealing with. Most attorneys have no clue about these laws.

I am assuming that when you say you are getting letters from lawyers regarding your balances that these lawyers represent creditors that are perhaps going to sue you? If that is the case you should probably at least get a free bankruptcy consultation. Or are these lawyers trying to help you out in some way? Those lawyers could be affiliated with those debt settlement programs.