Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection.
This article provides hints and tips for shopping for a used car. It includes a checklist and explains your rights when buying from a dealer or a private party. It also offers buying tips and resources if you have problems after the sale.
This article provides information on obtaining a free copy of your credit report from each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – once every 12 months. It also provides guidance on disputing incorrect information on your reports.
A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal. This article provides tips to help you with the purchase. It explains commonly used industry terms, and it provides a worksheet to help you negotiate on price.
If you don’t make timely payments on the vehicle, your creditor may have the right to “repossess” — or take back your car without going to court or warning you in advance. Your creditor also may be able to sell your contract to a third party who may have the same right to seize the car as the original creditor. This website discusses the requirements for seizing and reselling your car for nonpayment. It explains deficiency - the difference between what you owe on your loan and what your creditor gets for reselling your car.
This edition of FDIC Consumer News focuses on teaching kids the financial facts of life, the importance of saving, spending wisely and sharing with others. The article offers some suggestions that can help parents, guardians and even grandparents raise responsible money-managers.
This website presents the computer-based Money Smart curriculum -- a comprehensive financial education curriculum designed to help individuals outside the financial mainstream develop financial skills and positive banking relationships. The Money Smart Computer-Based Instruction (CBI) is a friendly and easy to use learning tool that teaches the 10 modules of the Money Smart curriculum through a computer.