Welcome and thank you
for your question!
I am sorry to learn of the facts you've described. You may be interested in the contract cancellation information provided by the Michigan Attorney General
on this page: http://www.michigan.gov/ag/0,4534,7-164-17337_20942-44718--,00.html
. There, he explains how and why you do not have the right to cancel most contracts -- without penalty -- in Michigan.
Now, you can try to argue that the $1,200 penalty is unreasonably large and void. The law doesn't say that but you can try to argue it. If ADT is not receptive to your argument, you can consider filing a complaint with the Michigan Attorney General. Their online complaint form is found at: www.michigan.gov/ag
What's the worst case situation? You could be sued for breach of contract
and have a judgment issued against you. This would appear on your credit report
and that could hurt you if you try to get a loan
, mortgage, or refinance in the future. Understand, however, that your social security checks cannot be garnished to pay the court judgment. If you have other sources of income, they could try to attach that (e.g., a state income tax refund or other wages). But, they can't go after your social security or take your house).
My goal is to provide you with excellent service – if you feel you have gotten anything less, please reply back. I am happy to address follow-up questions. Thank you for your business!