Legal Question in Constitutional Law in Michigan

Re: Credit

Sounds suspicious, because that implies a massive rate of interest and there are state laws covering consumer contracts.

On the other hand, you don't state that you gave the computer back, so.... you've had it all this time and not paid for it? Hmmm.

By now it's probably with a collection company, so try to negotiate.

Re: Credit

If the last payment you made was more than six years ago, the statute of limitations has expired which means you are probably off the hook for the debt. However, having said that, I do not condone taking expensive merchandise and not honoring your agreement to pay for it whether you received a bill or not. You should have followed up with the creditor when you did not receive regular statements.