Entries by Hays Lawson

Vroom is a No-Go when it Comes to Title Transfers

If you bought a car from Vroom but cannot get good title to the vehicle after delivery, we are to help. And you are not alone. On August 30, 2021, the Better Business Bureau issued a warning titled, “Vroom, an online car retailer, receives an influx of consumer complaints.”  The BBB warning noted that “Customers […]

Stop Credit Card and Insurance Junk Mail

How do banks and insurance companies know to send you credit card and insurance-policy offers? Because banks and insurance companies buy your personal information from consumer reporting agencies (“CRAs”), which are glad to sell your information and profit from it. To the CRAs, you are the product—not a user, not a customer. The CRAs monetize […]

Buy Here—Pay Here: The Carnival Game of Buying a Used Vehicle

            Buy here—pay here “’is not the car business. This is the finance business,’ said Ken Shilson, an accountant who founded the National Alliance of Buy Here Pay Here Dealers in Houston. ‘Not everybody has the stomach for it.’” These words are true. And they should sound a warning bell. Private equity firms are investing […]

Have you been sued by Service Financial Company? If so, we can help.

Chances are, you don’t even know who the heck Service Financial Company (“SFC”) is. SFC is an assumed name for the River City Adjustment Bureau, Inc. Does that clear it up of you? Didn’t think so.                 SFC is in the business of buying defaulted car loans from buy-here-pay-here used car lots like Circus Auto […]

Have you been Sued by Mariner Finance, LLC?

If you’re here, it’s mostly likely because Mariner Finance sued you. We may be able to help. We’ll evaluate your case at no cost to you. Specifically, we will look for counterclaims you may have against Mariner Finance for violations of the Kentucky Consumer Protection Act (“KCPA”), the Federal Truth in Lending Act (“TILA”), and […]

An Unconstitutional Statute that Refuses to Die

In Kentucky, husbands are legally responsible for their wives’ medical debts, but not the other way around. Please help me change that.             KRS 404.040 provides: The husband shall not be liable for any debt or responsibility of the wife contracted or incurred before or after marriage, except to the amount or value of the […]

Lexington Judge Says NO to UK HealthCare using the KY Dept. of Revenue as its Debt Collector

Since 2006, the UK HealthCare has been using the Kentucky Department of Revenue as its collection arm. This cozy relationship empowered UK HealthCare to garnish bank accounts, wages, and tax refunds without any judicial oversight. This essentially practice essentially strips the consumer of all due process rights. In addition to the recovery of debts, the […]

Don’t Let ID Thieves Steal your Tax Refund

According to a report from CNBC, tax-refund theft is expected to “hit a whopping $21 billion.” ID thieves could steal your refund. Cyberscout postulates that “[w]ith more than a billion personal records “out there,” identity theft has become the third certainty in life, right behind death [and taxes].” Tax-refund theft could hit the poor and the […]

Student-Loan FDCPA Collection Case

A Colorado District Court recently denied a debt collector’s motion to dismiss the complaint in Fair Debt Collection Practices Act (“FDCPA”) case concerning the collection of student loans. Breckinridge v. Vargo & Johnson, P.C., 16-CV-1176-WJM-MEH, (D. Colo. Dec. 7, 2016). Even though the Higher Education Act does not create a private cause of action for […]