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If you have big concerns about the terms of your equity loan, or you feel you were taken advantage of, there may be recourse. But you have to ask for help. Here's what to do:
* Ask your state bar association to refer you to a low-cost legal agency or lawyers that offer free consultations.
* Call your state Attorney General's office, and speak to someone in the consumer protection division.
* Most every community has fair housing advocates or affordable counseling agencies. Contact them and ask for help.
* Read the federal government's web site for consumers at www.consumer.gov