Kevin M. Taylor, P.C. Collection Attorneys

Debt collection and judgment enforcement in Michigan

Recovering debts since 1990, Kevin M. Taylor, P.C. Collection Attorneys handles consumer and commercial collection. The firm takes on both consumer and commercial matters, from straightforward judgment collection through to pre-litigation steps, and it says it develops strategies aimed at collecting its clients' debts. Its garnishment and seizure procedures follow Michigan law.

Personal attention from the attorney on each matter

The practice says that the attorney handles each matter personally, rather than passing the file to a paralegal or an associate. Staff may carry out administrative work, but the attorney stays available to discuss the case, give status updates and see that each collection is pursued. The firm says it has taken hundreds of cases to trial.

Payment plans and negotiation first

The firm says it usually tries to reach debtors first, with a payment plan where the client agrees to one. It says that when a debtor keeps to a payment plan, debts are generally paid, and it turns to enforcement only when that route does not work.

Creditor's examinations and document review

Where negotiation fails, the firm uses creditor's examinations, in which a subpoena requires the debtor to testify on what they own. It then examines documents such as tax returns, pay stubs, records of vehicles and real estate, and details of any business the debtor owns, to identify anything of value.

Wage, tax refund and asset enforcement

In Michigan, the firm can garnish a legal share of a debtor's take-home pay and seize a Michigan income tax refund, though not a federal refund. Where it identifies assets such as a business, cars, boats or real estate, it can have them seized and sold at auction to pay the client.

Receiverships for trading businesses

If a debtor runs a business that is still trading as a going concern, the firm can ask the court to appoint a receiver over the business, with profits paid to the firm's client. The firm explains that a receiver is an arm of the court with considerable legal privileges, and says it has had strong results with receiverships.

Judgments from other jurisdictions and eviction work for landlords

The firm also domesticates foreign judgments, so that a judgment obtained elsewhere can be enforced locally. Landlords with a volume of tenants can use the firm for evictions and collections, and the firm aims to secure both the money judgment and the right to possession, which it says saves time and cost later.

Creditors, landlords and businesses as clients

The clients include creditors, landlords who want rent and possession recovered together, and businesses owed money by other businesses or by consumers. The firm says its aggressive reputation comes from almost thirty years of debt collection work.