A Reverse Mortgage Primer
This article provides guidance for consumers on who should consider a reverse mortgage, how it works, foreclosure risks, impacts on spouses, partners, and heirs, and whether it is advisable.
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What You Should Know About Your Credit Report
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,…
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Consumer Concerns: Information for Advocates Representing Older Adults
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…
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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…
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Seven Top Tips for Consumers to Stop Illegal Robocalls
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…
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Free Chapter: Homeowner Rights During Natural Disasters
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.
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Consumer Alert: Deceptive Auto Repair Financing Practices
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%…
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Disputing Errors in a Credit Report
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.
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Utility Help in Massachusetts
Listing of resources to help Massachusetts consumers.
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Top 10 Ways the New Borrower Defense Rule Is Worse for Borrowers
Key differences between the 2016 and 2019 Borrower Defense rules.
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