Resources for Consumers Archives

What You Should Know About Your Credit Report

October 25, 2011

Facts for Older Consumers If you have ever applied for a credit card, a personal loan, insurance, or a job, there is probably a company keeping a credit file or credit report about you. This file contains information about where you live and work, how you pay your bills, or whether you have been sued,…

Consumer Concerns: Information for Advocates Representing Older Adults

December 17, 2014

Advice for Older Consumers About Credit Cards Credit card debt can cause tremendous financial problems for older adults. Credit card problems are a leading cause of consumer bankruptcy filings. Contrary to popular myth, huge credit card bills are not mostly due to irresponsible overspending. Many consumers resort to credit cards to meet pressing financial needs…

Mass. LIHEAP Information

This resource contains LIHEAP information and application materials. It also includes a link to the most recent Cold Relief brochure which is updated annually and lists where, in each of the state’s 354 cities and towns, one applies for fuel assistance, weatherization services, and heating system repairs/replacements. It also provides the up-to-date income limits for…

Seven Top Tips for Consumers to Stop Illegal Robocalls

December 16, 2024

There is no full-proof method to stop unwanted robocalls, and real solutions require that the Federal Communications Commission use the laws effectively to regulate robocallers and require phone companies to authenticate all calls. Yet, the following tips can help consumers take some control. 1. File complaints with the Federal Communications Commission: Complaint data is the best tool…

Free Chapter: Homeowner Rights During Natural Disasters

September 30, 2022

Chapter 12 of Mortgage Servicing and Loan Modifications covers common legal issues that arise in the context of natural disasters and is free to all for a limited time.

How to Opt-Out of a Forced Arbitration Clause

July 27, 2023

What is forced arbitration? Forced arbitration clauses are hidden in the fine print of agreements. They take away your access to the courts and give companies that violate the law a get-out-of-jail-free card. Ifyou have a dispute, you cannot file a lawsuit in court and have the case heard in public. You also typically cannot…

Consumer Alert: Deceptive Auto Repair Financing Practices

May 10, 2022

Interest up to 189% may be disguised by interest-free promotions through EasyPay Finance and TAB Bank Before you agree to finance a costly car repair or tire purchase – or accept what appears to be a free 90-day payment plan – beware of fine print that could disguise costly loans at rates up to 189%…

Disputing Errors in a Credit Report

September 2, 2014

Why is it important to correct errors in my credit report? What can I do if there is an error in my credit report? These questions and more are answered in NCLC’s Facts for Older Consumers: Disputing Errors in a Credit Report.