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Adam Alexander
Consumer Lawyer MichiganBadges
Claimed Lawyer ProfileQ&A
Summary
The Alexander Law Firm specializes Fair Debt Collection Practices Act, (FDCPA), Fair Credit Reporting Act, (FCRA), Michigan Lemon, Debtor Defense, Spot Delivery and “Yo-Yo” cases, Telephone Consumer Protection Act, (TCPA), and other consumer protection and employment cases. Attorneys on staff also handle criminal defense cases of any kind. We have the experience and tools necessary defend you, prosecute debt collectors, creditors and furnishers of credit who are harassing consumers and derogating their credit reports.
Practice Areas
- Consumer Law
- Criminal Law
- Foreclosure Defense
- DUI & DWI
- Personal Injury
Fees
- Free Consultation
- Credit Cards Accepted
- Contingent Fees
Most consumer cases involve "fee-shifting" laws that allow me to recover attorney fees from the Defendant(s)
Jurisdictions Admitted to Practice
- Michigan
- 6th Circuit
Languages
- English: Spoken, Written
Professional Experience
- Principal
- Alexander Law Firm
- - Current
Education
- MSU College of Law
- J.D. (1996)
- -
- Michigan State University
- B.A. (1988) | Pre-Law
- -
Professional Associations
- National Association of Consumer Advocates
- Member
- - Current
- Michigan State Bar # 53584
- Member
- - Current
Publications
Articles & Publications
- Michigan Lemon Law: Calculating the Repurchase
- Adam Alexander
- How To Dispute Inaccurate Credit
Speaking Engagements
- Ask The Lawyer, Community House, 380 S Bates St, Birmingham, Michigan
- Ask the Lawyer
- Open community event to provide an opportunity for Michigan residents to consult with local attorneys regarding various legal issues
Certifications
- Co-Chairman
- National Association of Consumer Advocates
Websites & Blogs
- Website
- Website
Repairing your credit reportLegal Answers
74 Questions Answered
- Q. What do you do if you are sold a new 2019 vehicle that is defected and it's not fixable? What should we expect next?
- A: Michigan's Lemon has strict requirements regarding the number of repairs required to qualify as a "Lemon": It shall be presumed that a reasonable number of attempts have been undertaken to repair a defect or condition if 1 of the following occurs: a) The same defect or condition that substantially impairs the use or value of the new motor vehicle to the consumer has been subject to repair a total of 4 or more times by the manufacturer or new motor vehicle dealer within 2 years of the date of the first attempt to repair the defect or condition. b) The new motor vehicle is out of service because of repairs for a total of 30 or more days or parts of days during the term of the manufacturer's express warranty, or within 1 year from the date of delivery to the original consumer, whichever is earlier. I suggest you contact a Lemon Law attorney in Michigan to review the repair history in detail and discuss your legal options. Keep in mind that if the vehicle does not qualify as a "Lemon", your brother still may have other legal recourse for breach of warranty, violation of the Magnuson-Moss Warranty Act, as well as other causes of action.
- Q. Can a used car lot deny a potential buyer the right to have a vehicle inspected by an independent party?
- A: The Federal Trade Commission has some good advice about buying a used car here: https://www.consumer.ftc.gov/articles/0055-buying-used-car The seller is NOT required to allow an inspection. While I woudn't personally purchase a used vehicle without a prior inspection, there may be some compelling reasons for denying the inspection, (liability, inconvenience), particularly if the vehicle is below the $5,000 price point.
- Q. Was suing a coll agency for FDCPA under Sec 806, 807(b) and 809 (b). They've filed a not of removal to fed. look st law
- A: The State law covering the alleged violations depends on whether the "collection agency" is a lawyer/law firm or not. Don't get caught suing under the wrong statute. I suggest you contact an experienced FDCPA lawyer to discuss your legal options in more detail.
- Q. Owe on a loan. No payments made in 8 years. Can they take money out of my bank accounts?
- A: More information is required to provide you with an answer. Is there a judgment against you? If so, what court, have they filed a writ of garnishment, have they taken any collection actions? I suggest you provide a new question including very detailed dates and facts. That way you will receive a response that will be much more helpful.
- Q. Can my 82 year old Mother break her auto lease and not be liable for the early return if she is going blind?
- A: Unfortunately, the answer is "no". Finance companies are unforgiving when it comes to their money . You may wish to consider buying out the lease (if she has the financial ability to do so). This would at least leave you with an asset to sell and save you Mom from damaged credit. If she simply stops making payments, it will result in a repossession, followed by debt collection - so you do not want that result. Buying out the lease would also prevent her credit from being derogated by the finance company. Maybe a friend or relative could take over out the lease?
- Q. Can rehab or mental health care/services help cut your jail time if you has an 2nd DUI?
- A: The answer depends on the jurisdiction the offense occurred, your judge, the prosecutor, and the skills of your lawyer. It also depends on the specific factors of your arrest, (e.g. BAC, your behavior, etc.). Generally speaking, a Defendant who is voluntarily and honestly seeking medical care and/or counseling may get a break. However, a lawyer would have to review ALL the facts surrounding your specific case to give you accurate legal advice.
- Q. Can a cosigner be denied on my auto loan if they don't live at the same residents.
- A: The alleged requirement that co-signors must live at the same address sounds fishy to me. However, this may be a particular requirement of a specific creditor, rather than the dealer. I agree with you that this could be an effort to obtain a higher interest rate. I do not specialize in discrimination law, so I can't give you an opinion on that. Hope this helps.
- Q. How many times a day are debt collectors legally allowed to call my home?
- A: There is no bright line for the exact amount of calls that violates the law. Courts determine harassment on a case by case basis, considering the number and content of the phone calls, as well as whether third parties are contacted. Also, you should know that if your creditor is calling you (as opposed to a debt collector), the Fair Debt Collection Act does not limit the amount of calls. In fact, creditors are not "debt collectors" under the FDCPA and they are not governed by the rules. Finally, you can stop the calls by simply sending a "cease and desist" letter to the debt collector.
- Q. My son is 15 being charged with resisting arrest and disorderly,tested positive for marijuana
- A: More facts are required to provide you with an accurate answer. I urge you to retain a lawyer to defend your son as soon as possible. I suggest you find a lawyer who regularly practices in the court where the charges were brought.
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