Time to see an attorney who is versed in the N.J. Consumer Fraud Act, and the federal Truth in Lending Act. You are not alone. There are a few exceptions, charities, for example. Federal regulations already give you the right to tell callers not to call you again, but enforcement has been light. Unsolicited faxed ads are also illegal under U.S. law.
New Jersey ought to pass a law like New York's.
Patricia Royer's last name was inadvertently left out of our last issue. Ms. Royer, former director of the N.J. Division of Consumer Affairs, organized the CLNJ Centennial Dinner. CLNJ again thanks Ms. Royer for her efforts. The National Consumer Law Center, Boston, has a model bill for consumer protections against predatory mortgage lending. This bill prohibits the terrible credit terms which are used to make mortgages impossible to pay, leading to losing one's home to foreclosure.