The CFPB complaint database, credit card plan survey and agreement database are good places to start if you are shopping for a credit card. The contracts that you generate will be either a pre computed contract or a simple interest contract.Question: My car repossessed for late payment and I don't have insurance on the car as of now. I have made my payment to release my car. If you're worried about how to get out of debt, here are some things to know — and how to find legitimate help. How to talk to your bank about deferring payments, find help and everything else you should know. For people in danger of repossession, TALK TO YOUR LENDER. Learn about programs and organizations that give free legal advice and may help you find a free or lowcost attorney. 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.