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action advertising agency agreement amount annual percentage rate Bait and Switch bond certification cheat and defraud claim Code collection common law consent judgment conspiracy to cheat consumer complaint contractor corporation criminal dealer debtor deceptive defendant DEPARTMENT OF ATTORNEY director failure false pretenses Federal Trade Commission filed finance charge franchise franchisor fraud fraudulent holder home improvement indictment Installment Sales Act intent investigation judgment KELLEY ATTORNEY Labeling Land Sales Act Lansing MCLA merchandise misleading misrepresentation mobile home motor vehicle repair NW2d obtain odometer offense offer payment person practices prohibited prosecutor provides purchaser pyramid scheme quo warranto receive representations Retail Installment Sales Richard Jones rules Section security deposits sell seller statement statute supra surety surety bond trailer coach transaction unfair vehicle repair facility victim violation waiver