What should I do if Michael Andrews & Associates is contacting the wrong person?

If you are not the debtor, notify the agency immediately and request your contact information be removed from their records. Continued calls may violate consumer protection laws.

Can Michael Andrews & Associates call me outside of permitted hours?

Debt collectors are restricted from calling before 8 a.m. or after 9 p.m. Repeated calls outside these hours can be illegal.

Are there alternatives to dealing with Michael Andrews & Associates without going to court?

You can negotiate payment plans or dispute debts formally. Communication in writing helps protect your rights.

Can Michael Andrews & Associates contact my family or employer about my debt?

They may only contact third parties for location purposes and cannot disclose your debt. Unauthorized disclosure is illegal.

How do I file a complaint if Michael Andrews & Associates violates my rights?

Complaints can be filed with the (CFPB), Federal Trade Commission (FTC), or your state attorney general’s office.

Michael Andrews & Associates Phone Harassment?

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If your phone rings and the caller identifies themselves as Michael Andrews & Associates, your instinct might be to wonder whether this is a scam. The name sounds professional. The number is toll-free. The company has a real website. But the question worth asking is not whether Michael Andrews & Associates is a real company it is but whether how they’re handling your account complies with federal and Michigan consumer protection law. That distinction matters more than most people realize when dealing with a company that purchases charged-off auto loan deficiency balances and has faced more than 15 federal consumer protection lawsuits.

At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010 and hold a A+ rating with the Better Business Bureau. We know how disorienting it is to receive collection calls for a vehicle you no longer have especially when the balance being demanded is far larger than what you expected. This guide gives you the verified facts on Michael Andrews & Associates before you respond, pay, or ignore the calls.

What Is Michael Andrews & Associates?

Michael Andrews & Associates, LLC (MAA) is a licensed debt collection firm based in Southfield, Michigan. While legitimate, it operates within a debt-buyer ecosystem tied to auto deficiency accounts, often involving Autovest LLC, which purchases charged-off vehicle loan balances after repossession and assigns them to MAA for collection.

MAA has been in operation since 1998 at the same Michigan address and presents itself as a compliance-focused collection agency. However, consumer complaints and BBB records suggest recurring disputes around its collection practices, creating a more mixed public record than its stated standards of integrity and respectful treatment.

In our practice, clients who contact us about Michael Andrews & Associates are almost universally dealing with an old auto loan deficiency they didn’t know had been sold, or a balance that has grown substantially since the original repossession due to fees, interest, and collection costs added by the debt buyer.

BBB Profile for Michael Andrews & Associates

What Types of Debt Does Michael Andrews & Associates Collect?

Michael Andrews & Associates specializes almost exclusively in one category of consumer debt: automobile loan deficiency balances. This narrow focus distinguishes MAA from generalist debt collectors that handle medical bills, student loans, or credit card accounts. Their entire business model is built around the post-repossession auto debt pipeline.

Here is how that pipeline works, and why it creates so much confusion for consumers:

Auto loan deficiency balances
Charged-off auto loan accounts
Co-borrower and joint account liability

The issue often arises after Autovest purchases the debt and MAA begins collection, when the balance no longer matches the original auto deficiency. Added fees, interest, and collection costs can significantly increase the amount, leaving consumers unsure how the figure changed. In many cases, an original $3,000 deficiency is later presented as $8,000 or more without clear supporting documentation. This lack of transparency can lead to potential FDCPA concerns involving false or misleading statements about the amount or status of the debt.

If you are dealing with a debt related to a vehicle you no longer own, you are almost certainly dealing with the kind of types of debts that MAA specializes in and you should understand your right to demand full written verification before you acknowledge the balance.

Why Is Michael Andrews & Associates Calling Me?

They purchased a debt associated with your name and are attempting to collect it. But the reason behind the call is not always as clear-cut as it seems.

You have a recognized auto loan deficiency: After repossession, the lender calculated a remaining balance after auction sale, charged off the debt, and sold it to Autovest LLC. MAA is contacting you as the collection agent on that purchased account.
The balance may be inflated or inaccurate: Debt buyers often receive incomplete or incorrect data. The amount MAA claims you owe may not reflect the actual post-repossession balance and may include improper or undisclosed fees.
You may be a joint account holder: If you co-signed the auto loan, including for a family member or deceased relative, MAA may treat you as fully liable for the remaining deficiency balance.
The debt may be time-barred: In Michigan, the statute of limitations for written contracts like auto loans is six years. If the original delinquency is older than that, the debt may be unenforceable in court, even if collectors still attempt to collect.
You may be the wrong person: Errors in purchased debt portfolios can result in mistaken identity. If MAA is contacting the wrong individual, that may raise issues under FDCPA § 806 for improper collection conduct.

When clients come to us about Michael Andrews & Associates, the most common scenario is a repossession from several years ago that the client assumed was resolved, now reappearing with a new company name and a much higher balance than expected. Understanding why they are calling is the first step to knowing how to respond correctly.

What Do BBB Complaints Against Michael Andrews & Associates Actually Say?

The BBB profile for Michael Andrews & Associates shows 2 total complaints filed in the last three years, with 1 closed in the last 12 months. One of those complaints was left entirely unanswered by the company — a failure that directly contributed to their B- rating.

BBB Complaints for Michael Andrews & Associates

While the complaint volume is not as high as some larger agencies, the content of documented complaints reveals serious patterns:

Collector reneged on written settlement agreement after cashing payment: A BBB complaint from September 2025 describes a consumer on a joint auto loan who was offered a $5,500 settlement plan, paid the first $100 installment (which was cashed), but never received the promised written agreement. Later, a different collector withdrew the offer and demanded $11,000, raising potential FDCPA issues under §§ 806, 807, and 808 related to abusive conduct, misleading representations, and unfair practices.
Verbal abuse and dismissive treatment during a vulnerable financial situation: The same complaint alleges the collector used demeaning language (“bro,” “dude,” “bud”), called the consumer a liar, and hung up during attempts to resolve the account. This conduct may violate FDCPA § 806, and the abrupt reversal of the settlement arrangement also raises concerns about misleading representations and reliance-based harm.
Failure to respond to BBB dispute process: The complaint also notes that MAA did not respond to the BBB dispute. In practice, lack of engagement in formal complaint channels can indicate that consumers may need to escalate disputes beyond informal resolution methods, including legal action, when standard complaint processes are ignored.

What Does the CFPB Complaint Record Show About Michael Andrews & Associates?

The CFPB complaint database includes complaints filed against Michael Andrews & Associates, with records dating back to at least 2019. Because MAA collects on a highly specific debt type — automobile loan deficiency balances — their complaint volume is concentrated, but the themes align with broader debt-buyer patterns:

Disputes over accuracy of the balance claimed: Consumers frequently challenge auto deficiency balances, arguing that auction prices were too low or that added fees inflated the total. When a written dispute is submitted, FDCPA § 809(b) requires the collector to stop collection activity until proper verification is provided; continuing demands without verification can create a potential violation.
Collection contact on deceased co-borrowers’ estates: In cases involving joint auto loans, such as a deceased co-borrower, consumers report aggressive collection attempts directed at surviving borrowers or estates. These situations require careful legal handling, and improper or excessive contact during bereavement can raise serious consumer protection concerns.
Inaccurate or unexpected credit reporting: Consumers sometimes discover MAA-related collection entries on their credit reports that reflect sold or disputed debts. Under the FCRA, reported information must be accurate and complete, and errors such as inflated balances or post-payment reporting may violate federal credit reporting requirements.
Continued contact after verbal requests to stop: Some consumers report ongoing calls even after verbally requesting that contact cease. While a written cease-and-desist is required to formally stop communication under the FDCPA, repeated contact after an oral request can still support harassment-related claims under § 806.

Consumer Reviews and Platform Reports

Consumer review platforms and legal aggregator sites document a recurring picture of MAA’s collection approach: initial calls that present reasonable options, followed by pressure tactics and unexplained balance increases when consumers seek to verify or negotiate.

One consumer posted the following review describing their experience with Michael Andrews & Associates:

“I was doing everything I could to handle this debt after my car was repossessed. They offered me a settlement and I started paying. Then out of nowhere the amount doubled and a different person told me the deal was gone. I have the check they cashed. They won’t answer the BBB complaint. I don’t know what to do.”

This account reflects several legally significant issues worth noting:

Oral settlement agreements relied upon to the consumer’s detriment potentially create a claim under contract law, and the abrupt termination of such an arrangement without written justification may also implicate FDCPA § 808’s prohibition on unfair practices.
Failure to provide the settlement in writing may constitute a false representation under FDCPA § 807 if the collector misrepresented the terms or conditions of resolving the account. Under fair debt collection law, misrepresenting a consumer’s ability to settle is prohibited.
Unanswered dispute through the BBB — a pattern consistent with a company that relies on consumer confusion and lack of legal guidance rather than legitimate collection practices.

Has Michael Andrews & Associates Been Sued?

Yes. Federal court records show Michael Andrews & Associates has been named as a defendant in more than 15 federal lawsuits. Three documented cases illustrate the recurring legal theories:

Case 1: McGee v. Michael Andrews & Associates, LLC

Case Name: McGee v. Michael Andrews & Associates, L.L.C.
Case Number: 2:18-cv-13231
Court: U.S. District Court, Eastern District of Michigan
Filed: October 16, 2018
Judge: District Judge Arthur J. Tarnow
Outcome: Complaint filed; amended complaint with affirmative defenses filed by MAA; notice of settlement filed; case dismissed following settlement
Official Record: CourtListener: McGee v. Michael Andrews & Associates

A pre-trial settlement still matters because FDCPA cases often resolve with monetary compensation, and settling can indicate the claims had enough legal strength to avoid further litigation. In practice, repeated settlements suggest the underlying allegations are credible enough that defending them in court may carry higher risk than resolving them early.

Case 2: Bostic v. Michael Andrews & Associates, LLC

Case Name: Bostic v. Michael Andrews & Associates, LLC
Case Number: 2:2021cv10419
Court: U.S. District Court, Eastern District of Michigan
Filed: February 23, 2021
Judges: District Judge Paul D. Borman; Magistrate Judge Elizabeth A. Stafford
Claims: Violations of the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Truth in Lending Act (TILA)
Outcome: Defendant’s Motion to Dismiss granted
Official Record: Justia: Bostic v. Michael Andrews & Associates

A motion to dismiss doesn’t mean the claims lacked merit only that the court found the initial pleadings insufficient. FDCPA, FCRA, and TILA claims can often be refiled with stronger facts, and this case reflects common disputes in auto deficiency collections involving credit reporting and disclosure issues.

What Calling Tactics Has Michael Andrews & Associates Used?

Based on documented BBB complaints, court records, and consumer reports, here are the specific tactics that have generated legal concerns in MAA’s collection operations:

Abusive and Demeaning Collector Language:
Complaints have documented collectors using dismissive and demeaning language such as “bro,” “dude,” or “bud,” along with accusing consumers of lying and abruptly hanging up during conversations. Under FDCPA § 806, any conduct that harasses, oppresses, or abuses a consumer is prohibited. This includes contemptuous language, false accusations, and unprofessional behavior, all of which can support a legal claim rather than being dismissed as isolated incidents.
Reneging on Oral Settlement Agreements:
There are reported instances where a collector agrees to a payment arrangement, accepts an initial payment, and then later denies the agreement and demands a higher amount. This conduct raises serious concerns under FDCPA § 807, which prohibits false or misleading representations, and may also violate state contract and consumer protection laws. When a consumer relies on such promises financially, reversing the agreement can be considered deceptive and unlawful.
Defective Debt Validation Notices:
Legal claims have alleged that collection letters failed to properly inform consumers of their right to dispute the debt within 30 days, as required under FDCPA § 809. A defective or incomplete validation notice is itself a violation, regardless of whether the debt is valid. Collectors must strictly follow communication rules from the first contact, and failure to do so can entitle consumers to statutory damages and attorney fees.
Inaccurate Credit Reporting on Deficiency Balances:
Consumers have reported inflated balances and continued credit reporting even after disputes were filed. Under the FCRA, debt collectors must ensure all reported information is accurate and complete. Reporting incorrect balances or failing to correct errors after a dispute violates federal law. Consumers have the right to dispute such entries with both the credit bureaus and the collector, and may pursue damages if inaccuracies are not properly addressed.

What Are Your Rights Against Michael Andrews & Associates?

Fair Debt Collection Practices Act (FDCPA):
The FDCPA is your primary federal protection against abusive debt collection practices, and it fully applies to third-party collectors like Michael Andrews & Associates. Under this law, they cannot call you more than 7 times in 7 days for the same debt or within 7 days after speaking with you, contact you outside 8 AM–9 PM, use abusive or threatening language, misrepresent the debt, or engage in unfair practices like collecting unauthorized amounts. They must also send a written validation notice within 5 days of first contact and stop collection efforts after receiving a written dispute or cease-and-desist. If violated, you may recover up to $1,000 in statutory damages, plus actual damages and attorney fees paid by the collector.
Telephone Consumer Protection Act (TCPA):
The TCPA protects you from unwanted robocalls and automated dialing systems. If MAA calls your cell phone using an auto-dialer or prerecorded messages without your prior express consent, each call may be a violation. Damages range from $500 to $1,500 per call, depending on whether the violation was willful. This means repeated unauthorized calls can quickly add up to significant compensation.
Fair Credit Reporting Act (FCRA):
If MAA reports your debt to credit bureaus, the FCRA requires that all information be accurate, complete, and within the 7-year reporting period. You have the right to dispute inaccurate or incomplete entries, triggering a 30-day investigation. If errors are verified, they must be corrected or removed. If MAA fails to fix inaccurate reporting after a proper dispute, you may have the right to sue for damages.
Michigan Regulation of Collection Practices Act (RCPA):
Michigan law provides additional protection through the RCPA, which applies to both original creditors and third-party collectors. It prohibits harassment, repeated or continuous calls, contact outside 8 AM–9 PM, and false or misleading representations about a debt. Additionally, Michigan imposes a 6-year statute of limitations on collecting written auto loan debts, meaning collectors cannot legally sue after that period has passed, though they may still attempt informal collection.

How to Stop Michael Andrews & Associates From Calling You

Step 1: Document Every Contact

Start by documenting every interaction. Take screenshots of your call logs showing dates, times, and numbers, and save all voicemails. Note whether calls involve a live person or a prerecorded message, as pauses or automated intros may indicate TCPA violations. Also flag any calls made before 8 AM or after 9 PM. Even a short period of consistent records can establish a pattern strong enough to support an FDCPA claim.

Step 2: Send a Cease-and-Desist Letter

You have the legal right under FDCPA § 805(c) to demand that Michael Andrews & Associates stop contacting you. Send a written cease-and-desist letter via certified mail with return receipt. Once received, they may only contact you to confirm compliance or notify you of specific legal action. Any further calls beyond that can count as separate violations.

Step 3: Send a Debt Validation Request

If you haven’t received proper debt details or want to verify them send a written validation request within 30 days of first contact under FDCPA § 809(b). After receiving your dispute, they must pause all collection efforts until they provide verification, including the original creditor and amount owed. Any continued collection activity during this period may violate the law.

Step 4: File Complaints

Filing complaints helps create an official record and can trigger regulatory scrutiny. You can report the conduct to agencies like the CFPB, FTC, FCC, BBB, and the Michigan Attorney General.

Step 5: Contact Consumer Rights Law Firm PLLC

If you’ve experienced harassment, excessive calls, misleading statements, or credit reporting issues, you may have a case. Contact Consumer Rights Law Firm PLLC at (877) 700-5790 or visit their free case review page. They handle FDCPA, TCPA, and FCRA cases on contingency, meaning no upfront cost, and you only pay if they win.

CONSUMER RIGHTS LAW FIRM PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop Michael Andrews & Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Michael Andrews & Associates, call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

Working with Consumer Rights Law Firm PLLC was a game-changer. They treated my case with urgency and helped end the harassment I had been facing for too long. Their legal team is knowledgeable, caring, and incredibly effective. I finally feel like someone had my back.
After months of phone harassment from debt collectors, I turned to Consumer Rights Law Firm PLLC for help. They were professional and understanding from day one. Not only did they stop the calls, but they also got me financial compensation. I highly recommend their services.
Consumer Rights Law Firm PLLC is everything you’d want in legal representation. They were quick to respond, thorough in their explanations, and relentless in stopping the calls. Their team made me feel like a priority every step of the way. Truly excellent service.

FAQs

Who is Michael Andrews & Associates and why are they calling me?

Michael Andrews & Associates is a debt collection agency that contacts consumers about past-due accounts. If they’re calling, they likely believe you owe money on a debt they are trying to collect.

Is Michael Andrews & Associates a real debt collector or a scam?

They are a legitimate debt collection company, but always request written verification of any debt. This protects you from scams and ensures the debt is valid.

Can Michael Andrews & Associates legally harass me with phone calls?

No, harassment such as repeated calls, threats, or abusive language is illegal under the FDCPA. You have rights and can take action if those rights are violated.

What should I do if Michael Andrews & Associates keeps calling me?

Document each call, including time and content, and send a cease-and-desist letter. If calls continue, file a complaint and consider seeking legal help.

Can I sue Michael Andrews & Associates for harassment?

Yes, if their behavior violates consumer protection laws like the FDCPA or TCPA, you may be able to sue and receive compensation for damages.

Does Michael Andrews & Associates use robocalls or spoofed numbers?

Many consumers report robocalls or calls from suspicious numbers. If they robocall you without prior consent, they may be violating federal law.

Can Michael Andrews & Associates affect my credit score?

Yes, they can report delinquent debts to credit bureaus, which may harm your credit score. You can dispute any inaccuracies with the credit reporting agencies.

How can I make Michael Andrews & Associates stop contacting me?

You can send a written request for them to stop contacting you by phone. If they continue calling, report them to the FTC, CFPB, or consult with a consumer rights attorney.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

Disclaimer: The information contained in these articles is provided for general informational and educational purposes only and should not be construed as legal advice. Reading or relying on this content does not create an attorney-client relationship with our firm. Because every legal matter is unique, you should consult a qualified attorney regarding your specific circumstances before making any legal decisions.