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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

Pros and Cons of Arbitration, Part I: The Pros

When it comes to consumer law, if you want to bring a lawsuit against a company, the company may suggest or attempt to compel you to enter into arbitration rather than litigation. In fact, many companies who have their customers sign any type of agreement (such as a Terms of Service agreement), will include an arbitration provision in that agreement. Arbitration is a form of Alternative Dispute Resolution (ADR) Read More

Know Your Rights: Illegal Repossession Practices

There’s no doubt that many Americans love their cars. For many people, their vehicle is more than just a tool to get from one place to another- it’s also a member of the family. When you buy a car with an auto loan or when you lease a car, it can be easy to forget that you don’t fully own it. And what happens if you fall behind for some reason on paying off your car loan? The dreaded repo man or woman comes for a Read More

6 Steps You Can Take to Fight Back Against Aggressive Creditors

It’s practically impossible to get by in our society without incurring some form of debt. It only takes a couple mishaps or an unexpected hardship to cause you to fall behind on your payments and, before you know it, you’re being hounded by creditors and collection agencies trying to collect on your debt. Creditors will use any method they can, including illegal and unscrupulous tactics, to try to get you to pay Read More

How to Spot False Advertising

False advertising may not seem like a huge deal to you, until you find that some company has taken advantage of your rights and swindled you out of your hard-earned money. Many companies are more than happy to lead you to believe something that is not true if it will help them achieve more sales and revenue. There are many rules in place in the United States, enforced by the Federal Trade Commission (FTC) and Read More

6 Tips For Protecting Yourself From Identity Theft

In an increasingly digital world, it seems like there are more ways every day that a criminal could use to steal your identity and commit fraud. Identity theft is a major and pervasive issue that can cause you a lot more than just a headache. As a victim of identity theft, you may face legal complications, lose benefits, or have serious financial and credit issues that could prevent you from getting a loan or Read More

How the Kansas Consumer Protection Act (KCPA) Protects Your Rights, Part Two

The Kansas Consumer Protection Act (KCPA) is a valuable set of protections that can help protect Kansas consumers from deceptive or fraudulent business practices. This act makes it possible for individual consumers, or groups of consumers acting together, to file legal suit against corporations. The following are some additional ways that this act is able to protect your rights. Applies to All Businesses Operating Read More