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Michigan Consumer Law Questions & Answers
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
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
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
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
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
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 »

1 Answer | Asked in Consumer Law for Michigan on
Q: Hello. I'm in Michigan and I was wondering if my only car can be seized if there is a judgment against me.

My husband and I have several judgments against us for credit card debt. Two creditors have put liens on our house (which we own) and three have garnished our state tax returns. One garnished one of our bank accounts. I cannot pay these debts back at the current time, especially now, and my main... Read more »

Brent T. Geers
Brent T. Geers answered on Mar 12, 2021

It is perhaps beyond time that you consult with a bankruptcy attorney.

1 Answer | Asked in Consumer Law and Animal / Dog Law for Michigan on
Q: Dog breeder sold us an akc certified dog with a terminal genetic defect can we take to small claims?

Puppy is only 3 months old, verified by two veterinarians it’s genetic (renal dysplasia) life expectancy is 1 year. The dog breeder is denying it saying it isn’t possible

Michael Zamzow
Michael Zamzow answered on Feb 25, 2021

From a practical standpoint, you might try working it out with the breeder. From a legal standpoint you can likley sue in small claims and at least be heard, that is the purpose of small claims, the result of the hearing may or may not be better.

It might be helpful to know.Pets have long...
Read more »

1 Answer | Asked in Civil Rights, Consumer Law and Identity Theft for Michigan on
Q: My account was hacked then banned and the company who runs the service refuses to help, should I seek legal action?

I am not sure if i should get in contact with a lawyer about this issue due to not knowing if legal compensation is possible but i want to exhaust all my options. in short I have an account with the company Activison-blizzard (the people behind games like Call of Duty) this account was compromised... Read more »

Brent T. Geers
Brent T. Geers answered on Feb 11, 2021

What damages have you suffered? Has someone used this data against you? Has someone stolen money? Without actual damages, it's going to be tough finding a lawyer to do much more. I'm not sure how you'd be able to show them being complicit in data theft, let alone fraud, if the breach... Read more »

1 Answer | Asked in Consumer Law, Products Liability and Small Claims for Michigan on
Q: Can I create custom AUDI emblems/badges out of gold/silver for my own vehicle and or to make as a product for retail?

Im an AUDI enthusiast and also a custom jewelry designer and fabricator with a small LLC. Ive wanted to replace the metal AUDI symbol and vehicle badges (S4) that are in various locations on the vehicle with identical replicas in diamond encrusted gold/silver, but understand there are probably many... Read more »

Trent Harris
Trent Harris answered on Jan 11, 2021

You can do it for yourself on your own vehicle, but you wouldn't be able to offer them for sale to others due to trademark issues. If you were to sell them at retail, you would need to obtain a license from Audi, otherwise you could be sued for trademark infringement.

1 Answer | Asked in Consumer Law and Collections for Michigan on
Q: Are there any lawyers in the southeast Michigan area that specialize in FDCPA?

I see several on here, but i can't seem to get one to return my phone calls or email. If you specialize in going after debt collectors for violating the FDCPA or know of one located in that area, can you please leave a working phone or email i can reach them or you by? I would greatly appreciate it.

David Soble
David Soble answered on Jan 10, 2021

Probably the best thing to do is to contact the lawyer's office and request a set calendar time to speak with the attorney. This way you won't be frustrated with 'phone tag."

Good luck. www.ProvenResource.com

1 Answer | Asked in Consumer Law and Collections for Michigan on
Q: Is it safe to pay a debt collector in full?

This is the second debt collector I'm dealing with. The first debt collector i was dealing with couldn't provide all of the information i requested in my validation request letter, so they passed it to another debt collector. People keep telling me that paying a debt collector is a very... Read more »

Adam Alexander
Adam Alexander answered on Jan 6, 2021

You are right to be wary. Some lawyers will give you a free consultation and review these validation letters and responses to see if you have a potential legal action. If your goal is to pay the debt and not be hounded by additional debt collectors I would advise you to consult with a FDCPA lawyer... Read more »

2 Answers | Asked in Consumer Law and Collections for Michigan on
Q: I've been contacted by a law firm to collect a debt i was unaware of until another debt collector threatened to sue me??

I never received a bill from the original creditor. The first letter i got from the debt collector was them threatening to sue me, so i sent 2 letters requesting validation. The first time, they didn't provide all of the information i asked for. The second time, they didn't respond and i... Read more »

Trent Harris
Trent Harris answered on Jan 4, 2021

You could call the law firms for both debt collections, and ask them who the original creditor and the original account number was for each. You could also send them a letter asking the same questions. Keep in mind that when you talk to them on the phone, they will be recording the phone call. You... Read more »

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