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- Paying the most important debts first can help you keep your property.
- In many cases, you can stop debt collectors from harassing you by using a simple letter.
- You have rights that protect some of your income and your home.
- You may be collection proof
- Some of your income may be protected or exempt
- Your home may be protected up to certain amount.
- 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 your credit.
- In Massachusetts, M.G.L. c. 93A protects you from unfair or deceptive acts or practices in trade or commerce.
- You may be able to get some student loans discharged. Usually if you are completely disabled or if your school shut down or was fraudulant.
- Know the signs of a predatory home mortgage loan. If you were victimized by predatory loans you may have legal ways to get out of the loans.
- You have important rights when a creditor tries to repossess your property, like your car. Automobile fraud can be a defense to repossession.
You have the right to an interpreter
