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Produced by Massachusetts Law Reform Institute
Reviewed 2019

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  1. Paying the most important debts first can help you keep your property.
  2. In many cases, you can stop debt collectors from harassing you by using a simple letter.
  3. You have rights that protect some of your income and your home.
  4. You can get a copy of your credit report, and your “credit score.” You can correct errors and delete old information. You can also work on building your credit.
  5. In Massachusetts, M.G.L. c. 93A protects you from unfair or deceptive acts or practices in trade or commerce.
  6. You may be able to get some student loans discharged.  Usually if you are completely disabled or if your school shut down or was fraudulant.
  7. Know the signs of a predatory home mortgage loan.  If you were victimized by predatory loans you may have legal ways to get out of the loans.
  8. You have important rights when a creditor tries to repossess your property, like your car. Automobile fraud can be a defense to repossession.

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