COVID - Consumer Protection

Consumer Protection

  • Collection process and rights

    • The NCLC website provided this list of resources as a guide to help families navigate their financial lives during these turbulent times. It also includes the best ways to connect with NCLC while our staff works from home to avoid community spread.

    • Emergency Amendment Act of 2020 from the OAG office, The Emergency Act covers any debt that is 30 days past due and was made for the purchase of goods, services, or property for personal, family or household purposes. For the duration of the declared coronavirus emergency, and for 60 days after its conclusion, the Emergency Act prohibits creditors and debt collectors from threatening or initiating any new legal action to collect a debt, visiting a debtor’s home or place of employment, or confronting the debtor about the debt in any public place.

  • How to avoid scams:

    • Scammers are using various stimulus payments to try to rip people off. For instance, they might try to get people to pay a fee to get their stimulus payment. Or they might try to convince people to give them their Social Security numbers, bank accounts, or government benefits debit card account number. This website provides tips for people to avoid scams

    • Here provides more info on how to avoid COVID-19 related fraud and scams. The article includes steps that you can take to protect yourself, how to avoid student loan scams, stimulus check fraud, etc.

    • This article warns people of CARES Act scams and fraud. On March 27, 2020, the federal government passed the CARES Act, which aims to provide financial relief to individuals and businesses affected by the COVID-19 coronavirus pandemic here in the United States. However, along with the Act comes a higher likelihood of scams and fraud schemes taking advantage of people unfamiliar with how these benefits work. Here provides the note of the information to protect them against scams.


  • Debtors when struggling to pay bills:

    • This article includes the steps to take if debtors have trouble paying their bills or meeting other financial obligations and also provides an introduction of the trained professionals that provide advice for little or no cost, and they will work with the debtors to discuss their situation, evaluate options, and even help the negotiate with their lenders and servicers.

      • HUD-Approved Housing Counselors. The U.S. Department of Housing and Urban Development (HUD)-approved housing counselors can discuss options with you if you’re having trouble paying your mortgage loan or reverse mortgage loan. This may also include forbearance or a modified payment program.

      • Credit Counselors. Reputable credit counseling organizations are generally non-profit organizations that can advise you on your money and debts, and help you with a budget. Some may also help you negotiate with creditors. There are specific questions to ask to help you find a credit counseling organization to work with.

    • This article presents an overview on the special programs put in place by the federal government and many state and local governments during the Coronavirus emergency that may help you manage your debt:



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