Special Projects

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How the Lifeline Program Can Help Vulnerable Consumers Connect to Voice and Internet Service after a Natural Disaster

March 2018 Print in PDF  The federal Lifeline program helps low-income households afford voice and broadband internet service. After Hurricane Katrina, Lifeline cell phone service helped economically fragile families displaced by natural disaster connect once again to the outside world to access disaster assistance, employers, family, and community to begin the process of rebuilding their [...]

How the Lifeline Program Can Help Vulnerable Consumers Connect to Voice and Internet Service after a Natural Disaster2019-03-07T12:44:33-05:00

Need Help with Debts?

Don’t get burned by scammers – know the facts about debt relief!  March 2018 Print in PDF Debt relief is the generic name for different ways you can manage your bills. This fact sheet covers different types of debt relief and what you should watch out for. Debt relief scammers often target people in financial [...]

Need Help with Debts?2019-03-07T12:44:09-05:00

Michigan Foreclosure Prevention Project

Mortgage Servicing Litigation Guide  by the National Consumer Law Center© A. Checklists and Charts Checklist for Tracking Compliance with the RESPA Loss Mitigation Rules (MS Word) Checklist for reviewing RESPA Loss Mitigation Notices to Borrowers (PDF) Mortgage Servicing Claims Chart (PDF) Call Log for Pending Loss Mitigation Application (MS Word) B. Sample Qualified Written Requests Sample RFI About a [...]

Michigan Foreclosure Prevention Project2016-06-24T12:03:14-05:00

Carol’s Story

How Project Stay Connected and NCLC Helped Keep the Lights and Heat On The odds were stacked against Carol D. As a low-income, disabled, elderly widow living in an all-electric home, Carol thought that with all the personal and financial hardships she was facing, her utility company would surely help when she fell behind on [...]

Carol’s Story2019-03-07T12:43:15-05:00

Public Policy Reforms

NCLC works closely with utility regulatory commissions, utility companies, and advocates for public policy changes so that low-income households can move beyond worrying whether their utility services will be shut off. More affordable utility service lowers overall housing costs, decreases homelessness and frees up resources that can pay for food, medicine, mortgage or rent payments, [...]

Public Policy Reforms2013-02-06T18:24:36-05:00

Utilities Advocacy Training

Through Stay Connected, NCLC attorneys conduct trainings for non-attorney advocates and front-line social service workers to help low-income Massachusetts residents avoid termination of their utility services. Advocates learn the eligibility requirements for electric utility discounts, how to prevent service from being shut off, and how to restore service if it was terminated. In-person TrainingsTo schedule [...]

Utilities Advocacy Training2013-02-06T18:13:56-05:00

Stay Connected

Project Stay Connected helps low-income people to maintain heating, electricity, gas, and phone services. NCLC provides training and case advice for front-line social service workers and advocates in Massachusetts. Read how Project Stay Connected helped Carol We also advocate for more consumer-friendly rules and practices regarding shut-offs of utility services, promote discount rates and reasonable [...]

Stay Connected2019-03-07T12:42:52-05:00

Equitable Access to Broadband, Media, and Telecom Services

Policy Analysis Comments, Letters, & Testimony Leadership Council coalition letter to the FCC re: need for additional steps to ensure better media ownership diversity, Aug. 11, 2014 Group Comments to the Federal Communications Commission re: Protecting and Promoting the Open Internet Framework for Broadband Internet Service, July 18, 2014 Comments of the Greenlining Institute, NCLC [...]

Equitable Access to Broadband, Media, and Telecom Services2012-09-26T19:14:31-05:00

Sustainable Homeownership

  HOT TOPICS Action against discriminatory targeting of African-American consumers for abusive credit terms in home purchases. Horne et al v. Harbour Portfolio et al. Second Amended Complaint (N.D. GA) Horne et al v. Harbour Portfolio et al. Third Amended Complaint (N.D. GA) Opposition to Defendant Harbour's Motion to Dismiss Second Amended Complaint Opposition to Defendant NAA's Motion to Dismiss Second [...]

Sustainable Homeownership2019-03-07T16:18:55-05:00

Equal Access to Higher Education

Policy Briefs, Reports & Press Releases Report: The Student Loan Default Trap: Why Borrowers Default and What Can Be Done, July 2012 Report: Paying the Price: The High Cost of Private Student Loans and the Dangers for Borrowers, March 2008 Letters NCLC replied to a letter by Senators Jones, Warren, Harris, and Cortez Masto requesting [...]

Equal Access to Higher Education2019-02-21T16:02:32-05:00