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

New York Times Releases Series on Arbitration

The New York Times just released a powerful three-part series entitled "Beware the Fine Print," which deals with arbitration procedures in America. It is a must read for consumers everywhere to learn about the different ways big companies are getting over on consumers. Part 1, "Arbitration Everywhere, Stacking the Decks of Justice," describes the practice of forced arbitration used by several big companies, Read More

Disputing Credit Report Errors

It’s difficult to overstate the weight our credit scores carry with regard to our ability to function in modern society. A single number, generated by a credit reporting agency that is attempting to summarize an individual’s creditworthiness, has a major impact upon our ability to obtain housing, buy a car, get a loan, or purchase many other necessary goods. Credit scores are often the sole bit of information by Read More

Arbitration vs. Public Courts: Important Considerations for Consumers

It’s a current reality of the legal world that cases against companies on the part of consumers have been increasingly difficult to get into public courts. This is because companies have often been including, sometimes furtively, arbitration agreements in the terms and conditions attached to the purchase of many goods and services. More important, however, is the fact that the Supreme Court of the United States Read More

Understanding Class Action Lawsuits

When a company has subjected you to deceptive and illegal practices, taken advantage of your rights, or caused you injury, it is very likely that you are not alone. Chances are, you are not the first consumer that has fallen victim to their unsavory actions. And unless serious measures are taken against them, you will probably not be their last. Unfortunately, large companies bank on the fact that one consumer is Read More

Pros and Cons of Arbitration, Part II: The Cons

Earlier this month we explained some of the benefits of arbitration in Part I of this blog. In Part II we will detail the cons. Arbitration is a form of Alternative Dispute Resolution that allows the parties involved in a dispute to avoid litigation. It is often sought, or even required, by businesses when they’re facing legal action. Some of the benefits mentioned in Part I of this blog include cost Read More