Prepaid Debit Cards: An Ongoing Investigation

  A prepaid debit card is, as the name suggests, like a credit card but without the aspect of credit- i.e., a consumer must pay in, or load, a prepaid debit card with funds before using it to transact. Therefore, a prepaid debit card is little more than a bank card that often pays no interest (though some do). Prepaid debit cards are a relatively new phenomenon and, put simply, are largely an effect, and an Read More

A Cautionary Tale: How Volkswagen Cheated Consumers, the Government, and the Environment

If you’ve been paying attention to the news at all in recent months, chances are you have probably at least heard about the Volkswagen emissions scandal. VW is one of the biggest automakers in the world and has centered much of their marketing in recent years around the idea that their diesel vehicles are some of the most environmentally friendly in the world. Their Turbocharged Direct Injection (TDI) “Clean” Read More

3 Things You Need to Know About the CFPB’s Proposed Rule on Arbitration Agreements and Class Action Waivers

The Bureau of Consumer Financial Protection ("CFPB") recently released a proposed rule, inviting public comment, that would limit what businesses under its purview (primarily banks) can put in arbitration agreements (in the fine-print terms and conditions often forced upon consumers). Most significantly, this proposed rule would bar banks from including class action waivers in such arbitration agreements. Put simply, Read More

Class Scores Win On TCPA Claims In Cruise Robocall Suit

Law360, New York (April 19, 2016, 2:43 PM ET) -- A class of as many as 1 million Americans who allegedly received robocalls offering a free cruise for taking part in a political opinion survey on Monday snagged a win from an Illinois federal judge, who said calls with prerecorded messages to cellphones were unlawful under the Telephone Consumer Protection Act. U.S. District Judge Matthew F. Kennelly, in a 31-page Read More

My Auto Financing Was Rejected but the Dealer Didn’t Return My Trade-In: What Do I Do?

Have you had the experience of trading your car in for another vehicle, completing paperwork and driving home with your new car, only to be told by the dealer later that the financing had fallen through? Did the dealer also refuse to return your trade-in? If so, you may have fallen prey to what has become an increasingly common practice at unscrupulous auto dealers: the "yo-yo" scam. Yo-yo scams are a form of Read More

5 Things to Know About Mixed Credit Files

For better and worse, extensive consumer credit reporting has become a feature of modern life. Essentially every form of legal debt- mortgages, auto loans, student loans, credit cards, revolving credit lines, etc.- appears on a given borrower's credit reports. These reports are compiled by consumer reporting agencies ("CRAs"), which are large businesses dedicated to tracking, and scoring, the credit history and Read More

A Brief Guide to Consumer Warranties

In the simplest terms, a warranty is a guarantee or an assurance. Various aspects of law, certainly including consumer law, deal with warranties. Whether you realize it or not, nearly every time you purchase a consumer good, there is some form of warranty on the product you are purchasing. When people generally think of sales warranties, they probably think of those that come with a car, large appliances, Read More

8 Things You Need to Know About The Missouri Merchandising Practices Act

The Missouri Merchandising Practices Act ("MMPA") was passed in 1967 in order to provide greater protection for Missouri consumers as they went about the course of doing business. It is a consumer-friendly piece of legislation that covers a huge range of commercial activities and every consumer doing business in Missouri should be aware of its existence and core components. Here are the most essential facts about the Read More

Illegal Debt Collection Practices: Re-Aging Accounts

If you’ve ever watched a crime drama on TV, you may have heard them mention the term “statute of limitations.” This refers to laws that create a maximum amount of time within which a person can be prosecuted for a crime. Statutes of limitations apply to both criminal and civil courts, which means there is a statute of limitations on your delinquent debt. Creditors and debt collectors only have a specific amount of Read More

Bryce Bell Featured in Local News Story

Attorney Bryce Bell was recently interviewed in a local KSHB news piece on consumer rights and how they relate to internet speeds. Click here to watch the story! Read More