Legal Question in Credit and Debt Law in Michigan

Creditors don't care - they will try to get money from whomever they can, regardless of legal liability. If you were not joint on the account, then you are not liable for any of the charges. If you are served with a lawsuit, you should definitely respond and defend yourself accordingly, or the creditor will get a judgment against you, which will be very difficult to set aside after the fact. Do not ignore any lawsuit - that is the worst thing you could do. You should have sent the creditor a letter demanding that they cease and desist from any further contact with you, other than by letter (i.e., no phone calls). Do this immediately.

If this person that stopped by really is a court officer, then he would be there to serve you with a lawsuit - he wouldn't be trying to collect anything. A court officer is simply someone employed by the courts who serves people with papers. They do not act on behalf of any particular party and do not collect debts. The person may not be a court officer, and may have misrepresented who they are. Ask for identification if they come to your house again. You can find out if a lawsuit was filed against you by contacting the district court for the city/township in which you reside and ask if there are any lawsuits under your name.

You are not obligated to provide an explanation or any information to any person who comes to your house or contacts you via telephone, regardless of what they may tell you.