Spring 2019 Consumer Impact
Updates on Fintech and Student Loans advocacy, NCLC’s 50th Anniversary Celebration, and More!
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Keeping the Heat and Lights on for Massachusetts Residents
Brochure on Massachusetts utility rights & programs.
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Hanging Up on Telemarketing Robocalls
Overwhelmed by telemarketing calls? Tired of being asked to extend your vehicle’s warranty? Fed up with offers for high-interest, predatory loans? Told the callers to stop but they won’t? Report telemarketing calls to the FCC! Consumer complaints help the FCC identify bad actors and stay alert to emerging trends. Visit fcc.gov/complaints to file a complaint.…
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Hanging Up on Robocall Scams
Protect yourself against scam robocalls, like those claiming to be from the IRS and the Social Security Administration! Consumers should anticipate inaccuracies in callerID and approach all unknown callers as potential scams. Beware identity theft! Callers may claim to be with a consumer’s bank, credit card company, law firm, or other familiar entity to access…
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Are You a Reverse Mortgage Non-Borrowing Spouse? Tips to Help You Remain in Your Home
Fact sheet provides tips for reverse mortgage non-borrowing spouses to remain in their home.
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High-Cost Rent-a-Bank Loan Watch List
At least 45 states and the District of Columbia (DC) cap rates on at least some installment loans. But high-cost lenders are increasingly using rent-a-bank schemes with a small number of rogue banks, which are not subject to state interest rate limits, to evade state rate caps on installment loans and lines of credit.
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Massachusetts Utility Consumer Rights Course
In this course, advocates and front-line social service workers who assist low-income, Massachusetts consumers learn the eligibility requirements for utility discounts, how to prevent service from being shut off, how to restore service if it has been terminated, and how to manage past due balances. Throughout the year, NCLC staff periodically offers this free course…
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Consumer Advice: Dealing with Debt Collectors—Including the New Federal Rules
This article provides advice to consumers in dealing with debt collectors. The article is based on an updated chapter in NCLC’s Surviving Debt. The advice now considers new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. For more detail on these rules (the Consumer…
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Getting Money Back for Scammed Consumers
This article explains consumers’ legal remedies and options, which vary depending on the method used for the consumer’s payment.
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Guide to Reducing Hospital Bills for Lower-Income Patients
Hospital debt poses a significant problem for millions of Americans. This new NCLC Digital Library article provides a nine step approach for lower-income patients seeking to eliminate or reduce hospital debt.
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