What do I do if my creditor (not debt collector) called me at 10 pm?

As you discovered, the creditor is likely not a "debt collector" under the Fair Debt Collection Practices Act. However, there is a similar Michigan...

My girl friend has been wrongly accused of credit card fraud. She has no money. Any advise. We are in Michigan.

If she cannot afford a criminal defense attorney the court will appoint a public defender.

Car dealership used wrong lease end miles and is not fixing it. Can I give the vehicle back and not sign a new contract?

I suggest you send a certified letter to the dealer and copy GMF. Give them a time limit to respond (e.g. 14 days) or threaten to contact a...

Ford refuses to lower my price for a vehicle fix even though the issue has been recalled on over 140,000 models.

It would be helpful to know the year, make and model. Generally, manufacturers won't provide repairs when your the warranty expires. But there are...

Can you? Yes, but only if the bank agrees. You have no legal rights to the property now that the redemption period has expired. Regarding...

Can they do this without us knowing and without providing us with proof of a judgement?

If you don't know anything about this, the bank likely sued you and received a default judgment. This is common. Consumers often ignore service of...

I suspect that after the foreclosure, the new owner (probably the bank), perceived a problem with the title history. To clear that up and insure...

You can sue anyone, for anything. Will you win is the question. Assuming you actually wanted the credit line and leased furniture, it will be...

Have you asked CNAC to add the accounts to all 3 credit bureaus? If not, that is first step. If that doesn't work I suggest you send certified...

Wondering what to since no one will rent to me.

Slander is difficult to litigate and prove. Initially, the truth is complete defense to slander. My suggestion to you, (if you haven't already),...