1/14/2025: January edition of NH Consumer Insight newsletter
Attorney General John M. Formella is pleased to announce the release of the January edition of the NH Consumer Insight newsletter. This special edition, created in collaboration with 603 Legal Aid, focuses on understanding your rights when dealing with debt collection and where consumers can turn for help.
After the often financially strenuous holiday season, many New Hampshire residents find themselves facing substantial credit card bills and other debt. If payments fall behind, these debts can be transferred to collectors, sometimes leading to harassing phone calls and letters. This month’s newsletter offers vital guidance for consumers to protect themselves against unfair or deceptive debt collection practices. It explains how both the New Hampshire Department of Justice and 603 Legal Aid can help with individuals navigating these stressful situations.
The full edition of the newsletter can be found online by visiting: NH Consumer Insight Newsletter.
Key Topics Covered in This Edition:
- Understanding Debt Types: Differentiating between secured and unsecured debt, and the potential consequences of not paying.
- Your Rights Against Debt Collectors: Know when you can dispute a debt and how to handle harassment from debt collectors.
- Free Resources for Assistance: How low-income individuals can access legal aid and what to do if they are sued by a creditor.
- Consumer Protections Against Unfair Debt Collection: Learn about New Hampshire laws and federal protections that stop collectors from using abusive tactics.
In addition to these key points, the newsletter provides important information on exemptions for certain income types from being used to pay debts, and steps you can take if you are being threatened with legal action or wage garnishment.
What can you do?
If you or someone you know is being pursued by a debt collector and would like to learn more about your legal rights, the New Hampshire Consumer Protection and Antitrust Bureau can be reached at (603) 271-3641 or [email protected]. You can also file a consumer complaint by visiting here.
For legal assistance, low-income individuals can apply for help from 603 Legal Aid by visiting www.603legalaid.org/apply or calling (603) 224-3333. Those who do not meet the income qualifications may contact the Lawyer Referral Service at (603) 229-0002.
About NH Consumer Insight
Each edition of NH Consumer Insight highlights relevant consumer protection topics and offers essential information to help New Hampshire residents identify risks and navigate the marketplace safely. To subscribe, please email: [email protected].
