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Medium urgency

MI SB 1138 of 2026: Civil procedure: bankruptcy; modify exemptions

Detected September 2, 2026 · in Debt Collection (FDCPA / State)

Michigan SB 1138 modifies bankruptcy exemptions, impacting debt collection practices and potentially affecting the recovery of debts.

Aforeworn detected this change in the Debt Collection (FDCPA / State) space on September 2, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Collection agencies, debt buyers, collection law firms, creditor first-parties. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Effective upon passage; monitor for specific implementation dates.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.

What changed

Changes to bankruptcy exemptions may affect the amount of debt that can be recovered during bankruptcy proceedings.

Who it affects

Collection agencies, debt buyers, collection law firms, creditor first-parties.

What you must do

Review and adjust collection practices in accordance with the new bankruptcy exemption rules.

Deadline

Effective upon passage; monitor for specific implementation dates.

Source: https://www.legislature.mi.gov/Search/ExecuteSearch?dateFromStr=today&docTypes=Bills&dailyReport=todaysbillactivity

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