Consumer Rights for Domestic Violence Survivors

One out of every three women will be abused by an intimate partner in their lifetime. Many of these survivors of domestic violence live in poverty and in a perpetual state of economic insecurity.  According to a report from the General Accounting Office, almost 20 percent of welfare recipients had experienced domestic violence in the prior year, and about 65 percent had been victims of domestic violence at some point.  Other studies have shown that 30 percent of employed survivors have lost their jobs because of domestic violence.  Many of these women are low- or moderate- income, and the domestic violence may have created a financial crisis as well.  Managing credit and financial problems can be an overwhelming challenge for them, especially if they have little financial experience, as they escape abusive situations and rebuild their lives.

Surviving The Crisis

Survivors need tips on deciding which bills to pay and how to deal with harassment from debt collectors.  Many survivors need help sorting out bills (e.g. credit cards and joint home loans) incurred by both the abuser and the survivor.

Protecting Credit Records

To regain solid financial footing, it is important for a survivor to clean up a damaged credit record from an abusive relationship and to build a solid credit history.  If the abuser engaged in identity theft, it is important to deal with the situation immediately.

Utility Assistance

Soaring energy prices are causing widespread utility shut-offs.  When establishing a new household, many survivors need expert help getting the lights and heat turned on -- and kept on. 

How NCLC Can Help

NCLC seeks funding to form partnerships with groups interested in protecting the consumer rights of survivors.  As resources permit, NCLC can provide the following support services: 

Publications.  NCLC has published the Guide to Consumer Rights for Domestic Violence Survivors-Massachusetts edition.  The book is a useful tool for domestic violence advocates to help clients understand their consumer rights, identify resources, get out of financial difficulty, and achieve economic independence.  A national version of the handbook is being developed. 

Training.  NCLC conducts trainings for attorneys, advocates, and policymakers. Our workshops are in-depth and provide detailed training materials and resource guides.

Consulting Services.  As resources permit, NCLC offers on-going technical assistance and support to advocates for domestic violence survivors.  Our experts keep up with the latest developments in consumer law and can help advocates respond to the most current abuses. 

For more information contact NCLC’s Chi Chi Wu at (617) 542-8010.