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Michigan Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law for Michigan on
Q: Is it legal for a power company from another state to demand payment from my friend?

It turns out her ex’s power bill is still in her name (they used to live together), and his late payments have been affecting her credit score. He lives in Indiana, while she is in Michigan. Today she called the company to get her name off of the bill, but now they’re demanding she pay for the... Read more »

Brent T. Geers
Brent T. Geers answered on May 2, 2022

Yes, it's legal for them to demand payment from her. Her name is on the bill, so it's her they will look to for payment; doesn't matter who actually lives there.

Your only possible recourse would be against the ex; but I assume there was a reason why the bill wasn't in...
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1 Answer | Asked in Consumer Law and Civil Litigation for Michigan on
Q: Should I deny the complaints in the summons and complaint I received for an old debt even if I know the debt was mine?

I was served in regards to an old debt. The debt is mine, but I'm unsure if the amount is correct as I paid part of it in the past. Most of what I've read says to deny the complaints just to make them prove its actually mine and that the amount is correct. Is this a good idea? Solosuit... Read more »

Adam Alexander
Adam Alexander answered on Apr 27, 2022

You just posted on line that "the debt is mine". Be careful now denying to the court that the debt is yours.

Depending on the amount of money the debt collector is suing you for, you should consider hiring a lawyer.

There are legal defenses available to you that you may...
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1 Answer | Asked in Consumer Law for Michigan on
Q: I bought something online through a website. I was told that I would be able to get a refund if need be.

She has scammed others and I have the proof online from reviews. I just want my money back and she’s refusing to give it to me like she promised. She asked me to stop emailing her and got mad when I said I’d have to involve the authorities.

Evan Ficaj
Evan Ficaj answered on Apr 20, 2022

Save all communications or documentation, especially where she said she would provide a refund. Also, save all receipts, contracts, and terms & conditions. If this is on her website, try saving the site as a .pdf with the URL and timestamp in the header or footer. Then, if you paid with a... Read more »

1 Answer | Asked in Consumer Law for Michigan on
Q: if iget a house from adverse possention do i hav to pay the loan off
Brent T. Geers
Brent T. Geers answered on Mar 28, 2022

First, you should consult a lawyer to ascertain what rights exactly you have now. Adverse possession is complex. But otherwise, if there is a mortgage, that's a lien on the property regardless of who is the rightful owner. If you are the now rightful owner, you just bought yourself a debt you... Read more »

1 Answer | Asked in Consumer Law for Michigan on
Q: statue of limitations in michigan credit card debt
Brent T. Geers
Brent T. Geers answered on Mar 25, 2022

Off hand, I believe it's 6 years from the date of last payment or activity. That is not to be confused for when a default judgment has been obtained, which would be good for 10 years and subject to renewal.

1 Answer | Asked in Consumer Law, Contracts and Civil Rights for Michigan on
Q: How to get your title back from a bail bonds men?

Son got in trouble on July 20 2018 they did not have enough cash for bond so they gave title of a 2001 dodge ram 1500 to bonds men they bailed him out. Nov. 2018 son was sentenced for 3 years in prison, son got paroled to my house on Nov. 2021, end of Feb. Son decided to sell truck couldn't... Read more »

Brent T. Geers
Brent T. Geers answered on Mar 24, 2022

Apply for lost title with the secretary of state.

1 Answer | Asked in Consumer Law for Michigan on
Q: summons for credit card debt from unifund i failed to pay capitol one its been 5 years now im 71 years old

have to respond to court by20 days to file writton answer i dont know what to do

Adam Alexander
Adam Alexander answered on Mar 21, 2022

First of all, do not default. Whether you hire a lawyer or not, file something with the court within the 20 days.

If you actually owe some or all of this debt, it may be worth your time to call the lawyer for Unifund and see if you can make payment arrangements. If you do not owe the...
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2 Answers | Asked in Bankruptcy, Consumer Law and Contracts for Michigan on
Q: How do I object to a writ of garnishment? I received a notice from my employer on 3/2/22 from a 4 year old judgment.

On 03/02 I got an email from work with a "writ of garnishment" dated 02/08/22.I was not properly served from the creditor. The writ states "plaintiff received judgement against defendant for $6,875 on Feb 01 2018. The plaintiff is Credit acceptance corp. However, I was never served... Read more »

Adam Alexander
Adam Alexander answered on Mar 9, 2022

There is a form that allows you to object to garnishments. Just Google "objection to garnishment Michigan". However there are only 5 permitted objections and one "catch all" objection.

1. the funds or property are exempt (protected) from garnishment by law.

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1 Answer | Asked in Consumer Law for Michigan on
Q: I was at a Walmart in Michigan and the cashier dropped a gallon of water on Mt foot, never even asked if I was alright

The cashier just kept ringing up groceries like nothing happened. My foot still hurts and has a bruise

Brent T. Geers
Brent T. Geers answered on Mar 6, 2022

What was the store manager's response when you promptly reported this?

2 Answers | Asked in Gov & Administrative Law, Consumer Law, Business Law and Constitutional Law for Michigan on
Q: How can the government claim ownership of confederate gold when it was abandoned or intentionaly hidden by confederacy

If the president of the Confederate Treasure left the gold intentionally would that not legally invoke the finders keepers laws? Who initially owned the confederate gold?

Thomas. R. Morris
Thomas. R. Morris answered on Feb 11, 2022

The federal Confiscation Act of 1862 would apply to gold owned by the Confederate States of America (which the Act did not recognize as an entity), with the result that the United States would own the gold. This is a hypothetical question because the CSA government probably held no gold at the... Read more »

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1 Answer | Asked in Consumer Law, Civil Rights, Identity Theft and Internet Law for Michigan on
Q: Can I sue tiktok to get a fake account taken down that someone opened up in my name and took one of my videos and put on

Fake account and I know who did it. I also feel this guy is scouting minors for trafficking I have emailed them over a dozen times n reported his account with no luck since 12/31/21. Not sure what else to do??

Brent T. Geers
Brent T. Geers answered on Jan 22, 2022

I'm not sure how TikTok would be liable to you. Most social media companies, in that finely printed terms and conditions no one reads when they sign up for an account, say basically "we're just a platform and not responsible for the content users upload".

If you know...
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1 Answer | Asked in Consumer Law, Products Liability and Lemon Law for Michigan on
Q: We bought custom furniture in April 2021. It was delivered October 19,2021. Within a week we notice a squeaky noise

Repair service came out and agreed there was a problem. Supposedly they order a part. Nothing has been done as of January 17, 2022. Can we demand a refund?

Michael Zamzow
Michael Zamzow answered on Jan 17, 2022

Likely depends on the purchase agreement, company policy, as well as the status of the part that was ordered. Demanding a refund and getting a refund are two different things, and being custom furniture, your question requires a much deeper than typical contract analysis to get a closer answer.... Read more »

1 Answer | Asked in Consumer Law, Contracts and Personal Injury for Michigan on
Q: I was emotionally harassed by an advisor for sending emails and asking too many questions.

I was looking for options I can have to change my minor. But during the advising meeting I was denied to ask questions and they said they do not care what I choose. I was denied to ask any further questions on the topic and was insulting experience for not knowing what to do even as an... Read more »

Brent T. Geers
Brent T. Geers answered on Jan 16, 2022

What is your question? It sounds like your best course of action would be to address this issue with your university. Perhaps to the head academic advisor or to a dean of students. Many universities also have departments and deans specific to international students.

1 Answer | Asked in Consumer Law for Michigan on
Q: Do I have a chance of getting my money back?

My kids was evicted from a hotel. Came to the room once then police showed up 10 minutes later they charged me $200 for inconvenience. There was no warning or altercation they didn’t even ask them to leave just be quiet.

Brent T. Geers
Brent T. Geers answered on Dec 31, 2021

Unlikely. Did you pay by credit card? You could try disputing the charge with your credit card company.

1 Answer | Asked in Civil Rights, Consumer Law, Products Liability and Banking for Michigan on
Q: Is there any legal action I can take against him?

I opened a bank account and was going to have my boyfriend added as a joint account. We got the paperwork filled out and went to go process it but it didn't process because he is in collections with his separate bank. We were told he needed to pay that debt of 1st before he could be added.... Read more »

Brent T. Geers
Brent T. Geers answered on Dec 20, 2021

Do he clear up the debt with the other bank first? I would contact the bank, then the police to file a report.

1 Answer | Asked in Consumer Law and Identity Theft for Michigan on
Q: can i get advice about a husband who stopped paying bills to ruin my credit because his name is not on anythhing

he always had bad credit so we put everything in my name and the last couple years he became selfish and has stopped paying for things in my name and i am a stay at home mother he has always told me doesnt want me to work but i feel i dont have another option and i will be divorcing him i dont... Read more »

Brent T. Geers
Brent T. Geers answered on Dec 20, 2021

Sounds like you are on the right path. You'll need to settle this through the divorce process.

1 Answer | Asked in Consumer Law, Divorce, Family Law and Small Claims for Michigan on
Q: Legal options on a outstanding car loans that I have cosigned

Hi, before my divorce (divorced for 2 years), I have cosigned a car loan for my ex-spouse (both of our names are on the title). As part of the divorce agreement, I agreed to let him keep things as is because his credit is not good enough for him to refinance the truck on his own. He supposed to... Read more »

Brent T. Geers
Brent T. Geers answered on Dec 10, 2021

What does the judgment of divorce say about possession of the car? As to the bank - regardless of what the judgment says - they are going to hold you equally responsible for the balance.

1 Answer | Asked in Consumer Law, Contracts, Employment Law and Products Liability for Michigan on
Q: Ok, my mom sold for Paparazzi Jewelry, under the guise of it being hypoallergenic, as well as nickle AND lead free;

She found out that it was a lie. They had nickle AND lead, and some have reported the lead is toxic. Now, I know MLMs are extremely hard to catch, but they tout these jewels, necklaces, bracelts, etc as LEAD AND NICKLE free to ALL consultants, AND customers. Is there ANYTHING my mom can do to sue... Read more »

Thomas. R. Morris
Thomas. R. Morris answered on Nov 29, 2021

This sounds like a breach-of-contract claim. The devil is in the details, and there are more details than I can list in this format. Who would be the defendant? Is there a written warranty by the seller regarding the merchandise? Where is the defendant? Is there jurisdiction here in Michigan?... Read more »

1 Answer | Asked in Consumer Law, Banking and White Collar Crime for Michigan on
Q: Hi, I was victim of bank fraud - someone other than me initiated in branch transactions, bank didn't raise flags or stop

Do I have case for bank failure to either protect n secure my banking & personal info, since someone within the "bank" compromised my info, and also either failed to spot n prevent to confirm n varify acct ownership, or someone within that branch conspired to allow these transactions... Read more »

Brent T. Geers
Brent T. Geers answered on Nov 28, 2021

Without more, it's likely the bank will restore to you whatever funds you lost. Depending on what exactly happened, or how much you lost, you could look into pursuing things further.

1 Answer | Asked in Consumer Law for Michigan on
Q: How can I file a small claims suit in MI against Staylisted SEO of Phoenix Arizona?

Staylisted did not do anything to justify their charges. Thay are not willing to give me a copy of the verbal over the phone agreement or a list of their promised services. They charged me over $1,200 for nothing. They have numerous complaints and negative reviews. My business is financially... Read more »

Brent T. Geers
Brent T. Geers answered on Oct 25, 2021

You need to look over your agreement carefully. You might find a clause that says you must either first submit to arbitration and jurisdiction for any suit is in Arizona. That would likely make it cost prohibitive for you to sue for such a relatively small dollar amount unfortunately. You may want... Read more »

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