Author Archives: Deborah Roher

Time for the Orrall exam

Posted on October 3, 2011 by Deborah Roher

I interrupt this consumer education to bring you a rant,  occasioned by a recent  special election for state representative here in southeastern Massachusetts.   The newly elected representative is Keiko Orrall.  A Republican living in the town of Lakeville, she introduces … Continue reading →

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The Truth-in-Lending Act is your friend

Posted on September 26, 2011 by Deborah Roher

Credit is the right to put off paying for something you get now.  Credit almost always costs money.  When you buy a car or a living room set in installment payments, you pay more than if you bought it for … Continue reading →

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What I know about Elizabeth Warren

Posted on August 18, 2011 by Deborah Roher

Even Doonesbury heroine Joanie Caucus is dying to know whether consumer champion Elizabeth Warren will run for the U.S. Senate.  Scott Brown’s campaign machinery can’t decide whether to tar her as a “liberal Harvard professor” or a carpetbagger from Oklahoma. … Continue reading →

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Down payments: the good, the bad and the ugly

Posted on July 18, 2011 by Deborah Roher

In discussing the predicament of my prospective client “Irene,” I opined that she made a mistake by giving the dealer a large down payment when she first agreed to buy her car.  But last week, discussing the high cost of … Continue reading →

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Of payment schedules and gap insurance

Posted on July 11, 2011 by Deborah Roher

To recap, we’ve been talking about my friend “Irene,” who bought a car she couldn’t afford, and then the dealer talked her into a second deal …. to pay even more money for a less valuable used car! When I … Continue reading →

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With the benefit of hindsight…

Posted on June 27, 2011 by Deborah Roher

To recap from last week:  first Irene got into a car deal that was too expensive.  When she went back to the dealership and asked them to help her get out of it, she wound up agreeing to pay three … Continue reading →

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It’s a jungle out there!

Posted on June 20, 2011 by Deborah Roher

I hate it when a client comes in with a problem I can’t solve. Just the other day I met a women I’ll call Irene, who was desperate for me to find a way to relieve her from an agreement … Continue reading →

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