Home Repair Basics: Introducing CAP’s Home Improvement Specialist

By Gabriel Taylor-Marsh

Picture of Gabriel Taylor-Marsh in a red jacket.
Gabriel Taylor-Marsh, Home Improvement Specialist at the VT Attorney General’s Consumer Assistance Program

It can be difficult to get ahold of the right contractor for your next home improvement project. I am here to let you know that I want to help. I am Gabriel Taylor-Marsh, Home Improvement Specialist in the Vermont Attorney General’s Consumer Assistance Program.

I share important information every day to help homeowners and contractors throughout the home improvement process, whether there is a question about steps to take before hiring a contractor, or when inquiries arise from a contractor about their in-state registration requirements. I am also here when problems arise and provide telephonic/letter complaint mediation between homeowner and business parties.

In short, I want you to have a great home repair experience. If you are getting ready to have work done on your home, there are things you can do now to find and then hire a contractor. Follow the below checklist and visit our website to learn more: https://ago.vermont.gov/cap/home-improvements

HOme repair how-to checklist

1.    Use Vermont contractor registries to make an informed decision. Contractors: 
       – Registered as a contractor with the Secretary of State agree to meet Vermont professional standards.
       – On the Home Improvement Fraud Registry have been convicted of home improvement fraud.

2.    Ask for recommendations from your community – friends, neighbors, family, co-workers.

3.    Once you identify a contractor you are considering for your project, do more research.
       – Lookup complaint history online, using the name of the contractor and “scam” or “complaint” in your search.
       – Contact the Consumer Assistance Program (CAP) and ask if they have complaints filed against the contractor you are considering, the timeframe and the nature of the complaints. 
       – Review Better Business Bureau complaint history. 

4.    Ask the contractor to show you their active registration and insurance policy.

5.    Get quotes from 2-3 other reputable contractors. Quotes should include the expected payment timeline (ideally with a deposit of no more than 10-30%) and ask for references from prior jobs.

6.    Make sure all project expectations are in writing; request a written contract or estimate and do not sign anything you do not agree with.
DO NOT pay all at once! Request an invoice and offer to pay at completion, by installment, or with a reasonable down payment for labor and materials.

Once hired, keep track of all invoices, bills and communication between you and your contractor. 

Please reach out to me directly with any questions you may have: https://ago.vermont.gov/home-improvement-specialist-bio

Buying a New Car from a Dealership? Read This First

By Henry Leopold, CAP Service-Learning Intern 

Cars are both an important transportation resource and, sometimes, an extension of a personal identity. Consumers may be eager to buy a new car after long periods of saving. Usually buying a handful of cars in their lifetime, consumers are at a disadvantage to dealers, who sell cars every day. There is an emotional component to buying a new car that consumers should be aware about.  

Helpful Hints: Buying a New Car. 1. Do detailed research. 2. Get a thorough test drive. 3. Get representations in writing. 4. E-sign is not required. 5. Stay alert throughout signing.

Online Research: Using the Internet as your tool, research different makes and models that have the features you are looking for. Once you have a car in mind, look up the Manufacturer Suggested Retail Price (MSRP), which is the manufacturer’s recommendation on vehicle pricing. You can usually find this information on the manufacturer’s website. Also check pricing through online forums, such as Reddit, where many consumers post about their experiences with different cars. Don’t take everything you read from other consumers as fact. Gather information that will help you make an informed decision.   

Test Drive: Once you have a clear idea of the car you want, it is time to go to the dealership. Make clear to the salesperson what you want to try without expressing your interest in buying. If you share how much you like the car, or are excited, salespeople may seek to capitalize on this knowledge when negotiating. Try to stay calm and neutral to help get the best deal.  

Trust your own research over verbal representations. After selecting a car, you will move on to the paperwork, a process which can feel cumbersome for consumers. People tend to relax after selecting the car they want, which is a huge choice. Stay alert throughout the signing.  

Most people do not buy new cars frequently, but a salesperson sells cars every day. Because of this, they are better at selling than you are at buying. One very common strategy used in car sales is to stretch out the car deal. This can be exhausting for the consumer, making it harder to make thoughtful decisions. 

You may be asked to provide an electronic signature on a tablet or computer. This can be problematic as you may not see or comprehend the document. It is easy to miss key facts when reading on the digital screen. You can ask the salesperson to print out any contract you are expected to sign and read the contract carefully. You have the right to get printed documents before you sign, as well as to choose to sign in writing.  

If financing with the dealer, be careful to avoid “yo-yo deals,” where the dealer reserves the right to cancel the agreement and re-finance at a higher interest rate and payment. Sub-prime auto loans often have high interest rates and prepayment penalties for paying off the loan early. Getting pre-approved by your bank—or even having your bank pay with the auto as collateral with a bank auto loan, is also an option.  

If you have experienced an issue in car buying, contact the Consumer Assistance Program.  

This piece is one in a series of Helpful Hints brought to you by the Consumer Assistance Program’s (CAP) service-learning interns. UVM undergraduate students make significant contributions to our program and Vermont through their participation in our service-learning lab, where they learn about consumer protection while honing their professional skills.   

Please note, the information herein is provided for educational purposes and does not constitute legal advice. Consumers with general consumer questions should contact CAP for more information or seek private counsel from an attorney for legal advice.   


FDIC – Electronic Signatures 

Federal Trade Commission 

Investopedia – Subprime Auto Loans 

NPR – Yo-yo Sales