Use this form to file a complaint against a business. A copy of the complaint and submitted materials will be included with a request for a response.You can also call the Michigan Attorney General's office at 877-765-8388 to file a complaint. Michigan is a selfhelp repossession state. That means the lender can repossess your car as soon as you're in default, without getting a court order. You have 28 days or less to respond to a debt lawsuit in Michigan. To avoid default judgment, you must file an Answer to the Summons and Complaint. Learn the Michigan repossession law, how to stop repossession, and if you can reduce your payments. Attorney for defendant, in answer to the complaint, states: in the complaint. A defense is a good reason you should not have to pay the amount the creditor is asking for in the complaint.