Missouri’s Lemon Law: Protecting Drivers From Sour Warranty Deals

What is the purpose of Missouri’s Lemon Law and who does it protect? The Missouri New Vehicles Warranty Law, more commonly known as the “Lemon Law,” protects buyers of new vehicles by enforcing the manufacturer’s express warranty. Missouri’s Lemon Law does not apply to used cars, motorcycles, mo-peds, and off-road vehicles. Rather, the law covers…

A Basic Guide to Understanding Missouri Payday Loans for the Missouri Consumer

In 2003, Elliot Clark took out five short-term loans of $500 from payday lenders in Kansas City so he could keep up with the bills his security job simply could not cover. Clark juggled the five loans for five years, paying off a $500 loan and interest using loans he took from another payday lender.…

How to Dispute an Online Order That Was Never Delivered

According to the latest reports from the U.S. Dept. of Commerce, roughly $3.4 Billion of retail sales occurred online just last year alone. Consumers are becoming increasingly more comfortable with making their purchases online. Fortunately, the vast majority of these sales occur without any problems, but what happens when those shoes you purchased online do not show…

Guarantees and Warranties—Is There a Difference and Does it Matter?

100% Satisfaction Guarantee. You’ve read the phrase before, probably on a food product or maybe the packaging of a consumer electronics item. How does this “satisfaction guarantee” relate to the term “limited warranty” that consumers find familiar? While the terms “guarantee” and “warranty” may have become synonymous in the minds of some consumers, the two…

Eligibility for Bankruptcy and the Means Test

When most people think of bankruptcy, they think of Chapter 7 Liquidation bankruptcy. A Chapter 7 bankruptcy involves the consumer (or “debtor”) giving up her non-exempt property in exchange for the discharge of a certain amount of her debt. Indeed, the ability to discharge debt through bankruptcy is one of the most attractive features of…

Extended Warranties for Less

Choosing whether or not to buy an extended warranty on your new appliance or electronic device can sometimes be a tough choice. It is nice to have the safety blanket that an extended warranty seems to offer, but the cost is often a deterrent. But what if you could get an extended warranty without paying…