Mich. Comp. Laws » Michigan Compiled Laws / Chapter 440 / Act 174 of 1962
Michigan Compiled Laws

Mich. Comp. Laws § 440.9605 (2026)

Unknown debtor or secondary obligor.

✓ laws through the 2026 session (checked Aug. 2026)
Find cases: SyfertCases citing this section MI-LEGlegislature.mi.gov JustiaChapter on Justia CornellLII Search CasesGoogle Scholar

UNIFORM COMMERCIAL CODE


Act 174 of 1962


440.9605 Unknown debtor or secondary obligor.

Sec. 9605.

    A secured party does not owe a duty based on its status as secured party to either of the following:

    (a) To a person that is a debtor or obligor, unless the secured party knows all of the following:

    (i) That the person is a debtor or obligor.

    (ii) The identity of the person.

    (iii) How to communicate with the person.

    (b) To a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows both of the following:

    (i) That the person is a debtor.

    (ii) The identity of the person.

History: Add. 2000, Act 348, Eff. July 1, 2001

Notes of Decisions
Cited in 2 cases (2 in the last 5 years), 2025–2026 · leading case: Pathward, NA v. Inlet Trucking, LLC, & Reginald Krug, No. 2:24-cv-10811 (E.D. Mich. Jan. 21, 2026).
Sort: Relevance Newest Treatment
Pathward, NA v. Inlet Trucking, LLC, & Reginald Krug, No. 2:24-cv-10811 (E.D. Mich. Jan. 21, 2026). · cites it 5× “) In response, Pathward claims it was excused from the notification requirements by Mich. Comp. Laws § 440.9605 (a)(iii), which relieves a secured party of its pre-disposition notification requirements if they do not know “how to communicate with the [debtor].”
Pathward, NA v. Inlet Trucking, LLC, No. 2:24-cv-10811 (E.D. Mich. July 17, 2025). · cites it 2× “Indeed, under Michigan Compiled Laws § 440.9605(a)(iii), a secured party “does not owe a duty” to a debtor or obligor if the secured party does not “know how to communicate with that person.”
Mich. Comp. Laws § 440.9605(a)(iii): 2 cases
Pathward, NA v. Inlet Trucking, LLC, No. 2:24-cv-10811 (E.D. Mich. July 17, 2025). “Indeed, under Michigan Compiled Laws § 440.9605(a)(iii), a secured party “does not owe a duty” to a debtor or obligor if the secured party does not “know how to communicate with that person.”
Pathward, NA v. Inlet Trucking, LLC, & Reginald Krug, No. 2:24-cv-10811 (E.D. Mich. Jan. 21, 2026). “) In response, Pathward claims it was excused from the notification requirements by Mich. Comp. Laws § 440.9605 (a)(iii), which relieves a secured party of its pre-disposition notification requirements if they do not know “how to communicate with the [debtor].”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.