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PART 2 OF 3: ‘Non-Disclosure Disclosure’ is Real and Dangerous — Here Are the Stories to Prove It

Before reading Part 2, please see Part 1 of our series on non-disclosure disclosure to get an idea of what the practice is and how some dealers use it to get cars off their lots. Bell Law has helped lead the charge against this deceptive practice and, in the process, collected stories of honest consumers who fell victim to so-called non-disclosure disclosures. Three stories below lay out the concrete perils for car Read More

PART 1 OF 3: Car Buyers — Beware of ‘Non-Disclosure Disclosure’

Few professions in the U.S. are held in lower regard than car salespeople — particularly used car salespeople. While the vast majority are honest professionals with integrity, the stereotype of the slick salesman giving deceitful answers to questions from potential buyers did not come from nowhere. Despite the numerous state, federal, and common law protections afforded to car buyers, there are still plenty of auto Read More

Is That Online Payday Loan Application a Scam?

We understand the financial pain so many Americans are going through as a result of the devastating COVID-19 pandemic. Despite a sizable minority of workers losing their incomes due to the pandemic, only piecemeal relief programs have been instituted.  Those who still have their jobs may have seen their hours reduced. However, with bills still to be paid, some of these part-time workers have been tempted to apply Read More

What to Watch Out For with Data Breaches

It seems like there’s a massive data breach in the news every other day now, affecting major companies with whom there seemed to be a sufficient amount of institutional trust, such as Target, Equifax, and Marriott. With nearly every transaction moving online, though, there is, unfortunately, a greater chance of having your personal information stolen or exposed due to a security failure.  Just as companies adopt Read More

An Overview of HIPAA Violations

One of the more sweeping and powerful laws designed to protect consumers’ information is the Health Insurance Portability and Accountability Act (HIPAA). This law, passed in 1996, is aimed at both modernizing and streamlining the flow of medical information and putting protections in place for patients as to their personal identifying information. The latter is what most people associate with the law; most everyone Read More

Forced Arbitration: What Is It and Why Is It an Issue?

The issue of forced arbitration clauses in various types of contracts has been a hot-button issue for years. Forced arbitration provisions are, essentially, clauses in contracts that make it mandatory for one party to give up their right to sue publicly and, instead, force them to settle the issue in closed-door arbitration, which has little government oversight and is generally less likely to favor plaintiffs. This Read More

Fraudulent Accounts with Fifth Third Bank?

On March 9, right before the country’s collective attention was shifted to the global COVID-19 pandemic, the Consumer Financial Protection Bureau (CFPB) filed suit against Fifth Third Bank, alleging aggressive cross-selling that resulted in customers’ names and funds being funneled into unauthorized accounts and lines of credit. Specifically, the CFPB suit claims that: Employees opened bank accounts and lines of Read More

Considerations for Consumers During COVID-19

Here and there, the federal government (and some state governments) have instituted financial relief for consumers due to coronavirus. This has come in the form of one-time monetary credits that nearly all Americans have received and suspension of student loan payments, among other measures. This blog will relay the key points of both of those federal efforts, including ways you can fight back if you have not Read More

COVID-19 Scammers Preying on the Public

Although the country is going through unprecedented times due to the COVID-19 pandemic, the presence of scammers and those looking to prey on vulnerable populations remains unchanged. The health crisis has only increased the opportunities for individuals wanting to make a dishonest quick buck. Bell Law is committed to helping consumers in Missouri and Kansas stay vigilant and aware of bad actors, and in that pursuit, Read More

Investigation: St. Francis Ministries Data Breach

On April 10, 2020, St. Francis Ministries announced that it had become aware of “suspicious activities relating to one of its employee’s email accounts.” See Notice of Data Event. These activities occurred during December 2019 and entailed the possible accessing of highly private information. St. Francis Ministries is based in Hutchinson, Kansas, and provides child welfare services throughout Kansas, as well as in Read More