Consumer Law
At New Mexico Legal Aid, we help protect your rights as a consumer. Whether you're facing issues with debt collection, car purchases, or misleading loan terms, we are here to provide free legal assistance and guidance to ensure you're treated fairly.
Common Consumer Issues We Handle:
We assist with a wide range of consumer law problems, including:
- Debt Collection Harassment: If you're being harassed by debt collectors or asked to pay a debt you don’t owe.
- Credit Reporting Errors: Assistance with correcting incorrect or outdated information on your credit report.
- Car Sales and Repairs: Dealing with car purchase scams or illegal repossessions.
- Solar Panel Issues: Problems with non-working solar panels or improper installation.
- Rent-to-Own Real Estate Contracts: Navigating challenges in payment processes or contract terms.
- Small Loans and Payday Loans: Understanding your rights under New Mexico's law that caps the annual percentage rate (APR) at 36% for loans under $10,000, ensuring fair repayment terms.
- Foreclosure prevention and foreclosure defense
Protect Yourself as a Consumer
It’s important to understand your rights and responsibilities to avoid consumer issues:
- Keep Records: Always keep receipts and proof of payments. Maintain detailed records of purchases and financing agreements.
- Know Your Loan Rights: New Mexico law requires small loan repayment schedules to be at least four months long. Loans cannot be due in full within 30 days. If your loan terms seem unfair or unclear, you have the right to complain.
Get Legal Help Today
If you believe your consumer rights have been violated, New Mexico Legal Aid is here to help. Our experienced team provides free legal assistance to ensure your voice is heard and your rights are protected.
Apply for Legal Help:
Call 833-LGL-HELP (833-545-4357) or Click Here to Apply Online.
