BOSTON -- Many consumers complain about return policies at local stores. Consumers say they still have the receipt, but the store won't refund their money. They want to know if that's legal. The answer is maybe.

According to state law, retailers can set whatever return policy they like, even none. But the catch is, whatever the policy, it needs to be posted in the store -- somewhere obvious before the point of sale.

It's up to you, to the consumer, to know the policy before you make a purchase. People often ask about re-stocking fees. Are those legal? And again, re-stocking fees can be changed if the store lists that as part of its posted return policy.

There are some exceptions. If you buy something that turns out to be broken or defective in any way, you do have rights that supercede the return policy.

Under what's called the state's implied warranty law, you are entitled to a refund, replacement or repair in the case of defective merchandise

While the laws are on the books, they sometimes aren't enforced very well, so it's up to you to know your rights.