Brochures for Older Consumers

For Advocates 

• New Requirements for Electronic Payment of Social Security and Other Federal Benefits Kicks in March 1, 2013: Most Paper Checks to Be Phased Out
• Lifeline: Discount Telephone Service for Low-Income Consumers
• Dealing with Debt Collection Harassment
• Advice for Older Consumers About Bankruptcy
• Home Improvement Scams Alert
• The High Cost of Payday Loans
• Helping Elderly Homeowners Victimized by Predatory Mortgage Loans
• Dreams Foreclosed: Saving Older Americans from Foreclosure Rescue Scams
• Understanding Credit Scores
• Credit Card Debt and Credit Counseling
• Avoiding Living Trust Scams: A Quick Guide for Advocates
• Advice for Seniors About Credit Cards
• How to Help Older Americans Avoid Loss of Utility Services
• INTERNET RESOURCES: Helpful Consumer and Elder Law Web Sites
• HOME A LOAN: A Quick Guide on Reverse Mortgages for Senior Advocates
• What to Do When Utility Service Has Been Disconnected
• Spotlight on Long-Term Care Insurance: A Private Safety Net?
• Low-Income Home Energy Assistance Program (LIHEAP)
• Prepaid Debit Cards for Social Security and SSI Benefits
• Steps That Advocates Can Take To Help Prevent Foreclosure

For Consumers

• Consumer Rights for Domestic Violence Survivors in Massachusetts
• Get Real Debt Help, Not Empty Promises (English, Spanish)
• Direct Express® Prepaid Debit Card for Social Security, SSI and Other Federal Payments
• Saving Energy and Reducing Home Energy Bills While Staying Comfortable
• Borrower Beware: The High Cost of Payday and Auto Title Lenders, Pawnbrokers, and Rent-to-Own Stores 
• What You Should Know About Bankruptcy
• What You Should Know About Your Credit Report  
• Your Credit Card Rights
• Tips on Choosing A Reputable Credit Counseling Agency
• Dealing with Utility Companies Regarding Disputed Bills and Utility Deposits
• Protect Yourself from Identity Theft
• Tips for Seniors on Living Trusts
• Some Tips For Consumers Considering A Reverse Mortgages
• When Your Social Security Benefits Are Taken To Pay Back Money To The Federal Government
• Long-Term Care: Is Private Insurance Right for You?

Consumer Information on Bankruptcy

• Bankruptcy Client Brochure
• Using Credit Wisely After Bankruptcy
• Your Legal Rights During and After Bankruptcy