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Michigan Consumer Law Questions & Answers
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Consumer Law, Contracts, Products Liability and Personal Injury
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Michigan
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Q: How can I get a company to cover the installation cost after a faulty gas range setup?
I purchased a new gas range, but it wasn't installed correctly, leading to a gas leak that required me to call the fire department and gas company. I want the company I bought it from to cover the cost of proper installation by someone else because I no longer trust them to fix the issue. What... View More 
Q: Can the plaintiff make payments on an account being litigated without my consent?
I am involved in a pretrial court case regarding an auto repossession. I recently noticed that my credit report shows a payment was made on the account being litigated, but I did not make this payment. Can the plaintiff legally make payments on this account without my consent, especially since we... View More
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James L. Arrasmith
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answered on Jul 10, 2025
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answered on Jul 10, 2025
No, the plaintiff should not be making payments on your account without your knowledge or consent, especially during active litigation. If a payment was posted to your account and you didn’t authorize it, that raises serious questions about who made the payment and why. In some cases, a creditor... View More
Q: Can a lender falsely claim a new auto loan as the original?
Can my lender charge off my original auto loan, open a new one, and then falsely claim that the new loan is the original loan? I did not receive any notice or documentation regarding the charge-off or the new loan. I have contacted the lender to dispute this, but they insist the current loan is the... View More
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James L. Arrasmith
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answered on Jul 10, 2025
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answered on Jul 10, 2025
No, a lender should not be treating a charged-off loan as if it never happened and then disguising a new loan as the original without your knowledge or consent. If your original auto loan was charged off, there should be a clear record of that on your credit report and in your account history.... View More
Q: Could sending a photo from my husband's phone lead to legal issues?
I found pictures on an old phone of my husband kissing his sister's friend and sent one to my husband, his mom, and his sister. This incident happened yesterday, and I haven't received any threats or have any existing court orders. I'm now worried this may have breached privacy laws,... View More
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James L. Arrasmith
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answered on Jul 5, 2025
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answered on Jul 5, 2025
What you did may not rise to a criminal violation, but it could raise legal concerns depending on how the image was obtained and distributed. Since the photo was on your husband’s phone—presumably shared marital property—you likely had limited access rights, especially if there was no hacking... View More
Q: Do I own my car free and clear after purchase and transferring plates without finalized loan?
I purchased a car two days ago in Michigan and the dealership gave me the title, listing them as the seller and me as the buyer. I signed paperwork for a loan, but the loan has not been finalized, and there is no lien holder listed on the title. I've transferred my old vehicle's plates to... View More
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James L. Arrasmith
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answered on Jul 4, 2025
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answered on Jul 4, 2025
You currently hold legal title as the named buyer on the certificate, so you own the vehicle outright until a lienholder is recorded. However, because you signed a loan agreement that isn’t finalized, the lender may still perfect its security interest by submitting the necessary paperwork to your... View More
Q: Can I sue EA for failing to enforce anti-cheating in Apex Legends on PS5?
I am experiencing frustration due to severe cheating in the game Apex Legends on PS5. Despite EA's known actions against it, cheating persists at a level where it's impossible to enjoy the game. I regularly report these issues on Twitter and have interacted with other players who face... View More
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James L. Arrasmith
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answered on Jul 4, 2025
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answered on Jul 4, 2025
You generally cannot sue EA simply because you’re unhappy with cheating in online play, since terms of service typically disclaim any guarantee of a cheat-free environment and require you to agree to arbitration or waiver of certain claims.
Instead, focus on the contractual relationship... View More
Q: Is using AI for moped mechanic ads legal in Michigan?
I am considering using AI for video advertisements for my moped mechanic services in Michigan, specifically for personal use. The AI accurately describes and displays the services using third-party tools, targeting adults as the audience. I would like to know if this is legal and any potential... View More
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James L. Arrasmith
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answered on Jul 4, 2025
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answered on Jul 4, 2025
You are free to use AI‐generated videos to advertise your moped mechanic services in Michigan, provided you comply with general advertising and consumer-protection laws.
Make sure your ads do not include false, misleading, or unsubstantiated claims about your qualifications or the results... View More
Q: Community college charged me after financial aid fell through, what are my options?
I attended a community college for one semester in 2024, assuming my financial aid had been processed successfully. However, the college took no action to inform me that my financial aid did not go through and allowed me to continue taking classes. Now, a year and a half later, they have contacted... View More
Stephen Arnold Black
answered on Jul 10, 2025
answered on Jul 10, 2025
Allowing a student to attend classes under the impression that financial aid had been approved, only to later inform them that it was not, and demand payment for that time, may constitute bad faith. It’s akin to someone entering your property, mowing your lawn without permission, and then... View More
Q: Motorhome purchase with lost title: liability for damages during transit?
I am purchasing a motorhome. The seller has lost the physical title and expects to obtain a replacement in 1-2 weeks. We plan to complete the purchase with a cashier check, full coverage insurance, a bill of sale, and a release of liability agreement. The bill of sale states the seller agrees to... View More
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James L. Arrasmith
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answered on Jul 6, 2025
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answered on Jul 6, 2025
Once you take possession of the motorhome, especially with a signed bill of sale, release of liability, and active insurance coverage, you generally assume responsibility for it—including liability for any damages during transit. The key legal point is the transfer of possession and control. Even... View More
1 Answer
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in
Lemon Law, Consumer Law, Appeals / Appellate Law and Insurance Bad Faith
for
Michigan
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Q: I bought a lemon car in Michigan, the company knew but repossessed without compensation and sued me. What can I do legally now?
In 2021, I purchased a car that turned out to be a lemon, with documentation proving the company knew of its condition. They repossessed the car without compensation due to limited environmental options and sued me for the balance after reselling it without disclosure. Despite presenting all my... View More
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James L. Arrasmith
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answered on Jul 6, 2025
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answered on Jul 6, 2025
You may still have options, but time is critical. If the court has already entered a judgment against you, your first step is to determine whether you can appeal or file a motion to set aside the judgment. Appeals in Michigan must generally be filed within 21 days of the judgment, and you’ll need... View More
Q: I was banned from Walmart for life after mistakenly missing an item at checkout. I signed a document under pressure without understanding it and need advice on what to do next.
I was permanently banned from Walmart after unintentionally missing an item during checkout. I had several groceries, including waters and cokes, and when I walked out, I was stopped and taken to the office. I explained that I did not intend to miss scanning the item. A police officer showed up and... View More
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James L. Arrasmith
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answered on Jul 6, 2025
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answered on Jul 6, 2025
What you experienced is upsetting and likely left you feeling humiliated and powerless. Being pressured to sign a document without explanation—especially by a police officer—raises serious concerns about your rights and the fairness of the process. If you did not intend to miss the item during... View More
Q: Permanently banned from Walmart after accidental shoplifting issue, signed document under pressure and unsure of rights.
I was permanently banned from a Walmart after an item was found under some waters in my cart that I didn't notice at checkout. I cooperated when security confronted me, and they showed me surveillance footage. Although they said they were giving me a break, a police officer arrived and... View More
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James L. Arrasmith
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answered on Jul 6, 2025
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answered on Jul 6, 2025
What happened to you is understandably distressing, especially given your history as a loyal customer. While Walmart has the right as a private business to ban individuals from its property, you still have rights when it comes to how you were treated, especially if you were pressured into signing... View More
Q: Can a landlord withhold deposit without lease due to incomplete repairs?
I've paid a security deposit for a rental property, but no lease has been signed because essential repairs to ensure safety and habitability are incomplete. Initially, a move-in date was set for June 3rd, following a walkthrough with a management company where issues were documented. Recently,... View More
Kenneth V Zichi
answered on Jun 18, 2025
answered on Jun 18, 2025
CAN they? Yes. SHOULD they? Probably no. LEGALLY are they allowed? That all depends on a LOT of facts that would need to be fleshed out. TLDR version: talk with a local licensed landlord/tenant attorney and work out the details.
You say there is no lease signed, but you paid a security... View More
Q: I'm an hourly worker in Michigan who hasn't been paid in a month. My employer changed the payment date without notice. How can this be addressed?
I am an hourly worker and have been employed for a little over a month at my current workplace. They have not paid me for about a month, and I wasn’t given any shifts this week. I have discussed the missed payments with them, but they mentioned they changed the payment date, contrary to the... View More
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James L. Arrasmith
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answered on Jul 6, 2025
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answered on Jul 6, 2025
In Michigan, your employer is legally required to pay you on a regular, scheduled payday, and any change to that schedule must be communicated in writing. If you were not given proper notice and your wages are now overdue, your employer may be in violation of the Michigan Payment of Wages and... View More
Q: How can I stop harassment and exploitation by a mental health clinic?
I am on disability and visited a mental health treatment clinic once. Since then, they have been exploiting me by attempting to scam my insurance for services I never received or needed. Despite informing them that I don't want to be their patient, they continue to harass me by calling... View More
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James L. Arrasmith
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answered on Jun 1, 2025
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answered on Jun 1, 2025
That sounds deeply upsetting, and no one should have to deal with this kind of pressure—especially from a clinic that’s supposed to be focused on care. If they’re billing your insurance for services you never received, that’s fraud, and you’ve already done the right thing by reporting... View More
Q: How to resolve issues with previous owner's mail at my new house?
I bought a house almost a year ago in Michigan, and I've been having issues with the previous owner's mail still being delivered to my address. The USPS holds their mail, but since they have an ID with the address, they can retrieve any undisclosed envelopes, leading to some of my mail... View More
Kenneth V Zichi
answered on May 29, 2025
answered on May 29, 2025
If I understand the question properly, you're bothered by the fact a previous owner is getting junk mail addressed to 'occupant' or with no name on it at all, but you're not missing your bills or personal mail? Despite the fact that the USPO standard is that they will only... View More
Q: Legal recourse for unauthorized credit card use by grandson
I entrusted my credit card to my ex-wife, who then lied about its whereabouts and gave it to our grandson. Without my knowledge or consent, he charged over $3500 across seven states, including purchases for U-haul rentals, gas, food, and hotels. While my credit card company reimbursed a $900 auto... View More
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James L. Arrasmith
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answered on Jun 1, 2025
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answered on Jun 1, 2025
You’ve taken the right first steps by filing a police report and notifying your credit card company. When someone uses your credit card without permission—even if they’re family—it’s considered fraud, and you have the right to pursue legal action. Since your grandson was not given consent... View More
Q: Can we sue for punitive damages in a mortgage fraud case with refinancing issues?
We refinanced a 30-year mortgage with 3 years remaining, and we were told the refinance was approved for a short term. However, after my wife's passing in September 2024, I discovered that the new mortgage is for 30 years instead. Despite attempts to contact the mortgage company, they have not... View More
Edward Gudeman
answered on May 19, 2025
answered on May 19, 2025
It is possible to pursue a lawsuit for punitive damages under a mortgage fraud cause of action in Michigan, provided certain conditions are met. Michigan law allows for punitive damages in cases involving fraud, where the conduct is extreme, willful, and intentional, and where the fraud results in... View More
Q: Struggling to obtain my lost life insurance policy from Everlake Life after Allstate takeover.
I had a life insurance policy with Allstate, which was taken over by Everlake Life Insurance. My attempts to contact Everlake online have failed, and I was informed that my policy number doesn't exist. However, I have copies of my canceled checks made out to Everlake Life Insurance, with my... View More
Tim Akpinar
answered on Jun 1, 2025
answered on Jun 1, 2025
I'm sorry for your frustration over obtaining your policy documents. One option could be checking with Michigan's Department of Insurance and Financial Services for their guidance if you get nowhere in your efforts. Depending on the transition between the two carriers, glitches do... View More
Q: Do I have grounds for a lawsuit regarding an unresolved bet on Poly Market after the UCL game went into extra time?
I participated in a prediction market called Poly Market for a UCL soccer game that took place on May 6 at 3:00 PM ET. The rules stated: if Inter wins, the market resolves to "Yes"; if Inter loses, it resolves to "No". There was no mention of the outcome being based on the first... View More
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James L. Arrasmith
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answered on May 15, 2025
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answered on May 15, 2025
If the market rules clearly stated that the outcome would be based on whether Inter won or lost, and did not mention a 90-minute cutoff or regular time restriction, then you may have grounds to challenge how the market was resolved. The platform's decision to settle the bet based on the first... View More
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