When money is owed to you or your business, timely and lawful collection efforts can make a meaningful difference. Inosencio & Fisk, PLLC, assists clients with debt collection matters by using an approach the firm describes as both comprehensive and cost-effective. The firm recognizes that collecting monies due and owing is extremely important for individuals and businesses alike, and it works not only to address current collection problems but also to help clients develop strategies that may reduce future collection issues.
Debt collection can involve much more than sending a demand for payment. Depending on the facts, it may require contract analysis, negotiation, litigation, post-judgment enforcement, or other legal action. Inosencio & Fisk states that it has helped clients throughout Michigan in matters involving breach of contract disputes, open account and account stated claims, land contract disputes, mortgage disputes, claim and delivery actions, and post-judgment collection actions. This range of experience allows the firm to assist clients in both straightforward and more involved collection matters.
For businesses, unpaid accounts can disrupt operations, affect cash flow, and consume valuable time and attention. For individuals, unresolved debts owed by another party can create financial stress and frustration. Inosencio & Fisk approaches these matters with an understanding of both the legal process and the practical importance of recovering what is owed. The firm’s goal is to pursue collection efforts in a way that is effective, legally sound, and aligned with the client’s broader interests. Whether the matter involves an unpaid contractual obligation, enforcement after a judgment, or another collection-related issue, clients can turn to Inosencio & Fisk for experienced legal guidance and a practical path toward recovery.
Collecting What You Are Owed
Unpaid accounts hurt cash flow and take time away from running your business. Inosencio & Fisk helps businesses and individuals throughout Michigan recover money owed to them, using an approach that matches the size of the debt and the cost of collecting it.
Our collection process
- Review. We look at the contract, invoices and communications to confirm what is owed and what remedies are available.
- Demand. A demand letter from an attorney often resolves the matter without a lawsuit.
- Negotiation. When the debtor wants to pay but cannot pay all at once, we can document a payment plan that protects you if they fall behind.
- Lawsuit. If payment does not come, we file suit in the appropriate Michigan court and pursue a judgment.
- Post-judgment collection. A judgment is only valuable if it is collected. We use garnishments of wages and bank accounts, debtor examinations and liens on property.
Types of collection matters we handle
- Unpaid invoices and open accounts
- Breach of contract claims
- Land contract and mortgage defaults
- Claim and delivery actions to recover property
- Construction payment disputes
- Enforcing existing judgments
Preventing future collection problems
The best collection case is the one you never have to file. We review your credit applications, contracts, terms of sale and personal guarantees so that you have strong rights from the start, including the right to recover interest and attorney fees where the law allows.
Working with Michigan businesses
Our firm serves contractors, suppliers, landlords, professional practices and lenders. We understand that each collection decision is also a business decision, and we give you a realistic view of cost and recovery before you spend money on a case.
Frequently Asked Questions
How long does a business have to collect a debt in Michigan?
Michigan sets time limits for collection lawsuits that vary by the type of claim, and some contracts have their own limits. Do not wait. The longer a debt goes unpaid, the harder it usually is to collect.
Can I get my attorney fees paid by the debtor?
Sometimes. Recovery of attorney fees usually depends on what your contract says or on a specific statute. We review your agreements to see what you can recover.
What is a garnishment?
A garnishment is a court process that directs an employer or bank to pay money owed to the debtor toward your judgment. It is one of the most common ways to collect after winning a case.
Is it worth suing over a small unpaid invoice?
It depends on the amount, the debtor's ability to pay and what your contract allows. We give you an honest assessment before any lawsuit is filed.
Talk to an attorney
Call 517.796.1444 or send us a message about your debt collection matter.