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Consumer

 
  1. Paying the most important debts first can make the difference between keeping and losing your property.
  2. In many cases, you can stop debt collectors from harassing you by using a simple letter.
  3. You have some important rights that protect some of your income and your home.
  4. You can get a copy of your credit report, and your “credit score.” You can correct errors and delete old information. You can also work on building their credit.
  5. Every state has a basic consumer protection law against unfair or deceptive acts or practices in trade or commerce. In Massachusetts, this is M.G.L. c. 93A.
  6. If you are stuck with student loans because of fraud by a trade school or other reasons, you may be able to get those loans discharged.
  7. Know the signs of a predatory home mortgage loan it can keep you from losing your home. If you were victimized by predatory loans you may have legal ways to get out of the loans.
  8. If you  have a low income and you may have ended up with a high cost loan  - payday loans, rent- to-own (really an expensive loan), pawnshops and auto title pawn, and tax refund loans. You may be able to challenge the lender.
  9. You have important rights when a creditor seeks to repossess your property, particularly your cars. Automobile fraud can be a defense to repossession.

Produced by Massachusetts Law Reform Institute
Last updated March 2013


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