Legal Question in Consumer Law in Michigan

This sounds like an appliance/fixture repair plan offered by electric/gas companies that will repair your stove, furnace, air conditioner, etc. for a monthly fee, added to your bill.

It is likely that this "protection plan" was offered as part of your utility bill, and your husband either agreed to participate, or assumed that the plan was included as a service. You can request a copy of the first notice of the plan, and ask for whatever your husband signed in agreement to participate. The utility company will claim that they "covered" your appliances for the past 3-4 years, regardless of whether or not you used the service, or even knew that you had the service. Have a lawyer look over the paperwork, and whatever documents you are able to attain from the utility company. The lawyer will be able to tell you if the company commited any fraud on you. Oftentimes a well worded letter from a lawyer gets better results than a phone call from a consumer.