Consumer Protection

Garnishment Served

Were You Just Served with Garnishment Paperwork in Michigan?

What is garnishment, anyway? Garnishment is a way that judgment creditors can legally recover money awarded to them by a court. The most common type of garnishment is wage garnishment. Wage garnishment occurs only after ...
Man Entering a Fraudulent Transaction

Fraud and Misrepresentation

At some point nearly everyone has been on the wrong end of a bad deal. But how do we know if we were the victim of fraud? How do we protect ourselves? What is Fraud? ...
Home Invasion

Damages for Conversion Vary Under Michigan Law

Pursuing Litigation for Civil Theft “Conversion” is a civil cause of action that is similar to the criminal cause of action for “theft.” Conversion claims are filed in civil court as a means of recovering ...
Michigan License Plate

Protect Yourself Before Purchasing a New or Used Car

Unfortunately, buying a car can be a stressful experience. Consumers may feel overmatched when negotiating with experienced dealership salesman. We all know that saying, if it sounds too good to be true, it probably is. ...
College Students at Graduation

Student Loan Collections

Thousands of college graduates—out of school for ten years or more—have recently been sued by a student loan company previously unknown to them. Most of these graduates are completely surprised when they are served with ...
Automobile Accident

Michigan’s No-Fault Auto Insurance Revisited

Michigan’s no-fault automobile insurance system was designed in 1973 to guarantee a certain level of benefits to persons injured in car accidents, ensure timely payment of those benefits, and reduce administrative and legal costs. Requirements ...
Contract Agreement Checkbox

Arbitration for all: The Diminishing Ability to File Consumer Class Action Lawsuits

Arbitration Clauses In 2016, DCA published an article on arbitration clauses, which are found in almost every modern contract. The use of such clauses increased dramatically after two Supreme Court decisions, one in 2011, and ...
Mastercard Credit Card

Can a Consumer Fix a Bad Credit Report?

The Fair Credit Reporting Act (“FCRA”) is a federal law that regulates credit reporting agencies. The FCRA compels these agencies to ensure that their reporting results in a fair and accurate summary of a consumer's ...
Sign Representing Debt

How the Supreme Court’s Decision in Henson v. Santander Consumer USA Inc. Affects Unfair Debt Collection Practices

The federal Fair Debt Collections Practices Act (FDCPA) has long protected consumers from the more unsavory practices of debt collectors. Yet, on June 17, 2017, the Supreme Court issued a unanimous decision in Henson v. ...
Consumer Protection Paperwork

Arbitration Clauses Limit Consumer Rights

Have you been charged fees for unwanted/unselected services by your cable or cell phone provider? Have you ever been cheated out of proper compensation by an unsavory employer? If so, your consumer protection case may ...