Legal Question in Consumer Law in Michigan

I cannot tell you without the contract or retail sale installment contract. Based upon experience I have, most of the time default is defined in the agreement as being one day late. So if you defaulted and the contract allows for repossession (I am almost sure it does) then they have declared default and will demand the full amount shortly.

You can do something though, first you can see if they actually transferred title. If they haven't you might have a good defense. They have no right to keep personal property so you can get that property back without charge. Also, if there was a breach of peace in the repossession then you can defend yourself. They must send you a letter and that letter must be 100% proper and if it does not comply with law you have a defense to the debt. I would need to know more but don't give up without a serious analysis.