Cents Savvy LLC

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Cents Savvy LLC CPA & Debt Fixer - Got a debt collection? Get your exact next steps here👉🏾 https://bit.ly/savvydebtkit7

Cents Savvy is Michigan's Leading Credit Counseling and Financial Services Company. It is a financial literacy company offering financial management, credit repair & counseling, tax preparation service & planning, small business accounting, and life/health insurance services. Cents Savvy is an online tool for anyone who is interested in becoming savvy about their finances. Americans now more than ever are accumulating substantial personal debt, are living above their means, and are not properly preparing for their financial future. We see this in the extended period of time people are working past the "standard retirement age." Cents Savvy is a place for people to gain a basic understanding of personal finance concepts and to get tips to continue down a path of personal financial security.

The best next step starts with understanding the details.
10/16/2026

The best next step starts with understanding the details.

10/16/2026

A debt collector’s voicemail includes your full name and account details? Save the original message and note the date and time.

That alone doesn’t establish an FDCPA violation. One key question is whether the information was communicated to someone other than you; the details and circumstances matter. You can ask the collector to keep future voicemails free of account details and send account information in writing.

If you want the collector to stop contacting you, send a written cease-communication request. That may not prevent certain limited notices or a lawsuit, so keep checking your mail and respond to court papers by the deadline.

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Educational information only; not legal or financial advice.

Clear records and the right support can help you take the next step with confidence.
10/15/2026

Clear records and the right support can help you take the next step with confidence.

10/15/2026

Is a collector saying, “We own this debt, and this is the amount you owe”? Ask for the written validation details, including the current creditor and an itemization of the balance—interest, fees, payments, and credits.

If you believe the debt or amount is wrong, check the validation notice and send a written dispute within its 30-day period. For covered debts, a timely written dispute generally pauses collection of the disputed amount until the collector responds.

A signed agreement and complete transfer history aren’t automatically required in every federal validation response. Interest and fees may be collectible when authorized by the agreement or permitted by law. Keep copies, and respond to court papers by the deadline.

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Educational information only; not legal or financial advice.

Steady progress can open new possibilities.
10/15/2026

Steady progress can open new possibilities.

10/14/2026

An old account doesn’t become clear just because a collector calls. Ask for the written validation information, then review the creditor, the amount claimed, and the deadline to dispute.

If you dispute the debt in writing during the validation period, the collector generally must pause collection while it sends verification. You can also ask for any payment-date details you need.

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Educational information only; not legal or financial advice.

A confident next step starts with knowing where you stand.
10/14/2026

A confident next step starts with knowing where you stand.

10/14/2026

Being told that money will come out of every paycheck can feel alarming. Ask for the court and the documents behind the claim before deciding what to do.

For ordinary consumer debts, a collector generally must sue and obtain a court order before garnishing wages. State procedures vary, and some government debts follow different rules. If you receive court papers, note the deadline and respond.

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Educational information only; not legal or financial advice.

You’re allowed to seek clarity before deciding what comes next.
10/14/2026

You’re allowed to seek clarity before deciding what comes next.

10/14/2026

Before reacting to a “next week” garnishment warning, ask for the court documents.

For ordinary consumer debt, a collector generally needs a court judgment before wages can be garnished. State procedures and timing vary, and a judgment may already exist. Request the court name, case number, and copies of the judgment and garnishment order. If court papers arrive, follow the response deadline.

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Educational information only; not legal or financial advice.

Address

Canton, MI

Opening Hours

Monday 9:30am - 8pm
Tuesday 9:30am - 8pm
Wednesday 9:30am - 8pm
Thursday 9:30am - 8pm
Friday 9:30am - 8pm

Telephone

+17344152722

Website

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