| Advertisements Promising Debt Relief May Be Offering Bankruptcy [PDF] [en español]
Urges consumers to use caution when reading ads pitching debt relief. Lists what to look out for, and offers tips if you’re having trouble paying your bills.
Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education [PDF]
Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing.
Credit Repair: How to DIY and Avoid a Scam [PDF] [en español]
Cautions consumers about companies that charge hundreds, even thousands of dollars, but don't deliver on their claims. The truth is, no one can legally remove accurate negative information from a credit report.
Negative Credit Can Squeeze a Job Search [PDF]
Bad credit can affect your ability to get more credit and to get or keep a job. Employers often use a credit report when they hire and evaluate employees for promotion, reassignment or retention. Explains your rights under the Fair Credit Reporting Act.
Paying the Debts of a Deceased Relative: Who Is Responsible? [PDF] [en español]
Explains what the law has to say about who has responsibility for a dead relative’s debts.
Payday Loans Equal Very Costly Cash: Consumers Urged to Consider the Alternatives [PDF] [en español]
Explains how these loans work, but cautions that they come at a very high price. Lists alternatives.
Out of Work? How to Deal with Creditors [PDF] [en español]
If you've recently lost your job, your first thoughts may be, "how will I make ends meet." The Federal Trade Commission spells out your rights when it comes to fair debt collection and credit reporting practices.
Time-Barred Debts [PDF] [en español]
Offers information on debt collection practices as they relate to debts that are past the statute of limitations.
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