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Michigan Consumer Law Questions & Answers
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 »

1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for Michigan on
Q: what does Law code 15USC1662B mean in lamens terms. The Truth in Lending.

I keep hearing about this law i have looked it up but i dont understand the way it is written. as i am told "it is illegal to charge for a down payment on a vehicle from a car lot dealership.

Brent T. Geers
Brent T. Geers
answered on Sep 24, 2021

Truth In Lending covers what must be disclosed by lenders to consumers. It's impossible to summarize what is a voluminous piece of legislation covering many different scenarios. If you have any doubts about what is presented to you by a car dealership, or any other lender, you should consult... Read more »

1 Answer | Asked in Consumer Law for Michigan on
Q: Do I have resource to get the 1/3 of the price back that Ive already paid based on fraud?

We were referred to an independent contractor from a sunroom manufacturer Four Seasons Sunroom. The contractor came out and gave us brochures and an estimate for the sunroom. We agreed and signed the contract with his name and Four Seasons Sunroom at the top on 5/6/21. After several months of being... Read more »

Brent T. Geers
Brent T. Geers
answered on Aug 27, 2021

Sounds like you want to terminate the agreement and get your deposit back, which given the delay, I can certainly appreciate. You would need to speak to a consumer rights attorney. Whether you have the resources to proceed depends greatly on the numbers involved. I would certainly start with... Read more »

1 Answer | Asked in Consumer Law for Michigan on
Q: Do I have recourse in the matter below?

I co-signed for auto loan.

Prior to notifying me of any delinquency, or getting permission to do so, bank took payment from my account. My credit score subsequently dropped. I would have paid had I known.

Michael Zamzow
PREMIUM
Michael Zamzow
answered on Aug 20, 2021

There is not enough information.

1 Answer | Asked in Consumer Law and Lemon Law for Michigan on
Q: Vehicle under warranty but Chrysler cannot fix the problem due to discontinued part. what do i do?

Chrysler service has had my car for 9mo, & have been taking it in for over a year now. They've tried everything but the discontinued part, because it cannot be sourced. now they are just giving me my car back without doing a buy back or anything. I believe the car would be considered a... Read more »

Adam Alexander
Adam Alexander
answered on Jul 29, 2021

Knowing the year/make/model of your vehicle would be helpful.

The first thing you should do is send a final repair letter. Immediately. A lawyer can do that for you. However, Michigan’s Lemon Law, like most other States, requires the consumer to provide the auto manufacturer with one...
Read more »

1 Answer | Asked in Consumer Law for Michigan on
Q: I have a credit card debt. Credit card company is taking me to court. I am 72. My job ends in 30 days. What options?

The credit card company sent debt to collections. Collections is suing me. The income I receive ends in 30 days. Then only $1700 in Social Security. Advice?

Brent T. Geers
Brent T. Geers
answered on Jul 27, 2021

You could consult with a bankruptcy attorney; they may say you are "judgment proof" and explain to you what that means for your future.

1 Answer | Asked in Consumer Law and Contracts for Michigan on
Q: In Mi, My friends husband, co-signed for a 2014 car. The original purchaser, stopped paying, so co-signer took car back

Co-signer has passed away, May 10, 2021. Wife came to me, discussing financial issues, asked me if I wanted to purchase car. I gave her $500.00 as a downpayment, wrote up a sales agreement, we both signed. It stated the money paid, amt due for complete pay-off, July 1st, 2021.

She phones me... Read more »

Brent T. Geers
Brent T. Geers
answered on Jun 26, 2021

Yes, quite likely, but against your friend. Your first priority should be to determine who actually owns the car - whose name is on the title? Because if it's the person who the husband co-signed for, that person could claim the car stolen. OR, the bank or whomever made the original loan could... Read more »

Q: Good Afternoon, Recently got denied a fireworks license renewal. Been there since 2012.

Need to be open asap. Looking for a lawyer familiar with the NFPA 1124 and With the Michigan and the Bureau of Fire Services

Michael Zamzow
PREMIUM
Michael Zamzow
answered on May 5, 2021

Contact an attorney about this.

1 Answer | Asked in Consumer Law for Michigan on
Q: I purchased a vehicle from a dealer in FL. Upon arrival here in MI it was discovered to be essentially a wreck.

Can I sue them in MI for fraudulent misrepresentation, which is where the entire transaction occurred? Or will I need to go to FL to do it?

Michael Zamzow
PREMIUM
Michael Zamzow
answered on May 3, 2021

That depends on a number of factors, you should contact an attorney directly.

1 Answer | Asked in Consumer Law, Personal Injury and Products Liability for Michigan on
Q: I never signed a contract for coverage in Alabama, but, funds were removed from my account for coverage. Is this lega?
Michael Zamzow
PREMIUM
Michael Zamzow
answered on Apr 21, 2021

Without a more specific question and subject matter it's really hard to say, but possibly and possibly not.

1 Answer | Asked in Consumer Law for Michigan on
Q: Is a repairman allowed to take pictures inside my home?

Repairman left my dryer torn apart and refuses to fix it. He called me several horrific names and then hung up on me. I am a female veteran and he made it clear he doesn’t like that fact.

Michael Zamzow
PREMIUM
Michael Zamzow
answered on Apr 7, 2021

Reads as though there is more going on than just the repair person taking photos inside your house. It is possible there is an invasion of privacy issue here, but it might depend on what was photographed and/or whether or not the contract says anything about photographs.

1 Answer | Asked in Consumer Law for Michigan on
Q: Do I still need to file an answer if I settled the debt?

I was sued for debt and received a summons and complaint. I settled with them and sent them a cashier's check certified mail after getting the settlement offer via email. They got it and say they have filed a "stop service" and that I will get something in the mail in 25-30 days from... Read more »

Brent T. Geers
Brent T. Geers
answered on Apr 7, 2021

You can certainly check with the court to see what's been submitted. Otherwise, your answer could simply be "settled by agreement on such-and such a date".

1 Answer | Asked in Consumer Law for Michigan on
Q: Can I get sued again if I accept this debt settlement offer?

The debt settlement letter states "this letter will confirm acceptance on behalf of the above referenced current creditor the sum of [dollar amount] as settlement of the subject account" (where dollar amount is the agreed to amount and is less than the full amount owed) and then goes on... Read more »

Brent T. Geers
Brent T. Geers
answered on Mar 29, 2021

Sounds like it. The "settled" verbiage they are requesting actually protects them in a way; it acknowledges that you haven't paid the full amount owed, so they can properly tax you on the difference by sending you a 1099, which will effectively be income to you. Back in the day,... Read more »

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