Resources for Consumer Assistance, including helpful links and brochures.
Credit Card and Other Data Breaches
Protect yourself. Report fraud.
Residents are encouraged to check their account statements on a regular basis and if you believe your credit or debit card has been compromised, lost, or stolen, take action immediately. The Federal Trade Commission suggests that consumers contact the card issuer and report the loss or theft immediately, follow up with your institution by mail, keep copies of statements and letters, and keep a record of the dates you made calls or sent letters.
- Alert your bank or card provider immediately if fraud is suspected
- Follow up with your bank or card provider and keep records
- Avoid scams that ask for personal information by email or phone
The complete consumer advisory is available on the Consumer Finance Protection website.
Pass It On!
A campaign against fraud sponsored by the Federal Trade Commission. Learn more about Pass It On!
Do you have questions or concerns about virtual currencies such as Bitcoin? Please visit our Virtual Currencies information page.
Banking and Checking Issues
- Check Clearing for the 21st Century Act: Frequently Asked Questions, from the Federal Reserve Board
- Don’t Cash that Check! (Check and Lottery Scams) from the New Hampshire Attorney General’s Office
- What’s Insured and What’s Not, from the FDIC
- Writing a Check – Understanding your Rights, from the Office of the Comptroller of the Currency
Buying New and Used Cars
The Federal Trade Commission has several documents that contain tips on car buying vs. leasing, negotiating the best deal, financing, getting the most out of warranties and service contracts, using gas efficiently, and avoiding repossession. Visit the FTC web site.
Credit Cards, Repair, Reports and Scores
- General Information from the New Hampshire Attorney General's Consumer Sourcebook
- Consumer Beware: Using Easy "Credit Repair" Companies Could Be Fraud
- Credit Repair – How to help Yourself, from the Federal Trade Commission
- How to fix your credit FAQ from the FTC
Debt Management and Budget Counseling
- Choosing a Credit Counselor
- "When your bill pile up" from the University of New Hampshire cooperative extension
Housing and Foreclosure Questions
- New Hampshire consumers facing foreclosure are encouraged to call 211 or visit www.homehelpnh.org to find a HUD Counselor or legal assistance, or information about upcoming foreclosure prevention workshops. There are no fees for these services.
- Call 211 or 1-866-444-4211
- TTY Number: 603-634-3388
Housing Counselors and Programs
APR, GFE, and LIBOR are just a few of the many mortgage terms to know and understand before you agree to buy a home. Please ask questions and consider getting help from a local housing counselor (See list below). Links to several helpful documents are also provided below.
- New Hampshire Housing Finance Authority, 603-472-8623
- New Hampshire Housing and Urban Development (HUD), Manchester, NH 603-666-7510
- Affordable Housing Education and Development Program (AHEAD)
Littleton, NH 603-444-1377
- Southwestern Community Services, Keene, NH 603-352-7512 ext 4294
- Community Home Solutions, Seabrook, NH 603-474-7449
- HOMEteam, Nashua, Concord, Manchester and Laconia 1-866-701-9097
- New Hampshire Legal Assistance (NHLA) 800-562-3174, TTY 800-735-2964
- Lawyer Referral Service
- Modest Means program, a part of the NHBA Lawyer Referral Program, 603-715-3290
- Disabilities Rights Center, Inc. 800-834-1721
- Mortgages – Know before you owe, from the CFPB
- Shopping for a mortgage? What to expect under federal rules, from the CFPB
- Mortgages: Different products for different needs, from the FDIC
- Escrow accounts: What mortgage borrowers need to know, from the FDIC
- Title Insurance: Protecting your home investment against title defects, from the NAIC
Payday and Title Loans
- Frequently Asked Questions about payday loans in New Hampshire
- General information form the New Hampshire Attorney General's Consumer Sourcebook
- Department of Defense publishes final rules, August of 2007