Consumer Law

  • Mississippi Payday Lender All American Check Cashing Shut Down

    … Last week, the Jackson Free Press in Jackson, Mississippi reported that Mississippi payday lender, All American Check Cashing, Inc., is in trouble again. This time, it’s with the Consumer Financial Protection Bureau (CFPB). The CFPB alleges that All American has engaged in a range of improper practices including hiding check cashing fee schedules…

    Ed Woods/ Bond and Botes- 10 readers -
  • Need Some Extra Cash? Want to Work From Home?

    …, it may be wise to investigate with whom you want to associate. There are many articles out there about the good and bad of MLMs. Our law firm offers free, no obligation consultations. If you are in a financial crisis, contact us today to help. The post Need Some Extra Cash? Want to Work From Home? appeared first on Bond & Botes. …

    Bond and Botes- 11 readers -
  • Are you Getting Unwanted Calls and Texts to Your Cell Phone?

    … Is it just me or does it seem like calls to your cell phone are exploding in volume? I am probably getting five or more unsolicited and unwelcome calls each day trying to sell me items and services that I do not need nor do I want! I feel like I am under assault! Given the fact I know the law in this area, I thought I would share some ways we can…

    Ron Sykstus/ Bond and Botes- 11 readers -
  • Subprime Auto Loan Crisis Looming

    … Several weeks ago, I wrote on the possibility of another subprime mortgage crisis. Now, it appears that subprime auto loan defaults are nearing crisis levels. According to a Morgan Stanley research booklet, finance providers and the consumer debt market as a whole should take note that auto delinquency and default rates are on the rise…

    Bond and Botes- 11 readers -
  • Wells Fargo Compensation Claw Back Largest in History

    … In a scathing 113-page report, released last Monday, Wells Fargo’s Board of Directors described its former chief executive as a tone-deaf leader who protected an irresponsible lieutenant and worked for board members who didn’t keep the pair in check. According to The New York Times, the report stated that then Chief Executive John Stumpf…

    Bond and Botes- 12 readers -
  • Don’t EVER Say ‘Yes’ When You Receive a Robocall

    … a consumer alert against just such scammers. They are saying the scam is prevalent, based on complaints the agency has received and from news reports across the U.S. The fraudulent callers may impersonate familiar organizations to get you to answer and talk. Also, according to FCC chairman, Ajit Pai, “Robocalls are the number one consumer complaint…

    Grant Mcnutt/ Bond and Botes- 9 readers -
  • CFPB Fines Experian $3 Million for Deceiving Consumers

    … The Consumer Financial Protection Bureau on Thursday fined Experian PLC $3 million, alleging that the leading credit-reporting firm misrepresented the credit scores it marketed to consumers, according to the Wall Street Journal. On Thursday, the Journal reported that the CFPB said Experian claimed the credit scores it sold to consumers were…

    Bond and Botes- 16 readers -
  • Nation’s Top Consumer Complaints of 2016

    … Not too many would be shocked to hear that topping the nation’s list of consumer complaints during the year 2016 would be. And the Winner IS………. Illegal Debt Collection Practices Debt collection efforts by creditors and collection agencies. I’m not sure about the general public, but I can tell you from experience in representing consumers…

    Bond and Botes- 13 readers -
  • Payday Loan Reform is Good for Alabama

    … the predatory payday loan industry, and we are working to make our voices heard. We’ve created a petition to demand that our state legislators take concrete action to reform payday loans in our state. What Is a Payday Loan, and How Does it Work? Payday lenders typically target low-income consumers, touting “quick cash” with little hassle. In minutes…

    Bradford Botes/ Bond and Botes- 12 readers -
  • Winn-Dixie’s New Reward Program Offers Free Groceries

    … Want free groceries? If so, on April 5th Winn Dixie is replacing its Fuel Perks program with Winn-Dixie Reward + Plenti. Customers will be able to earn points buying groceries at Winn-Dixie or spending money at any Plenti reward partner. You can earn points by: Switching to AT&T Buying gasoline at any Exxon or Mobile station Buying…

    Mary Pool/ Bond and Botes- 19 readers -
  • CFPB Takes a Three-Step Approach to Drain the Credit Reporting Swamp

    … his or her credit and finds incorrect information, the problems don’t just end there. According to the CFPB, which has handled almost 200,000 credit reporting complaints since its oversight began in 2012, consumers consistently complain that even when a dispute is reported, nothing ever changes on their report. Never mind the fact that federal law…

    Bond and Botes- 13 readers -
  • Hiding Credit Cards and Bank Accounts

    … Do you have a secret bank account or credit card? Have you hidden purchases from your significant other? An article on CNBC this week says a recent survey by the website creditcard.com found just over one quarter of the approximately 1,000 people they surveyed had a secret bank account and/or credit card. The survey found that older Americans were…

    Bond and Botes- 15 readers -
  • Another Phone Scam – What Will People Think of Next!

    … We all have gotten the calls…..your phone rings and normally you wouldn’t answer an unknown number. But this call caught you off guard or maybe it was a number very similar to one you are familiar with. You answer with “Hello” or some other greeting and then an automated voice identifies a business or agency. After the brief intro, the recording…

    Amy Tanner/ Bond and Botes- 12 readers -
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