We have gathered for you different sources of information regarding Debt Help. We hope you will read through and find the information about Debt help useful. Following links will take you to various sites that provide you with Debt Help information as well as you may read more articles about Debt Help or credit counseling or Debt Management. We also have links to providers of services in helping you with Debt. Please feel free to use this resources so you may resolve some or all of your debt situation.
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 and Your Consumer Rights
[PDF]
[en español]
Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems.
Credit Repair: How To Help Yourself [PDF]
[en español]
Cautions consumers about companies that charge hundreds, even thousands of dollars, but don't deliver on their claims. Truth is, no one can legally remove accurate negative information from a credit report. Explains how to legitimately improve your creditworthiness.
Creditors Seeking Federal Benefits in Your Bank Account? Understanding Your Rights [PDF]
Explains what you need to know about garnishment of federal benefits from your bank account.
Debt Collection FAQs: A Guide for Consumers [PDF]
[en español]
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.
Fair Credit Billing
[PDF]
[en español]
The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter.
Fiscal Fitness: Choosing a Credit Counselor
[PDF]
[en español]
Defines debt repayment plans, explains the differences between secured and unsecured debt, and offers questions to ask credit counseling agencies if you consider using their services.
Foreclosure Rescue Scams: Another Potential Stress for Homeowners in Distress [PDF][en español]
Explains how various foreclosure rescue scams work, and where consumers can find legitimate help.
For People on Debt Management Plans: A Must-Do List
[PDF]
Lists must-dos for anyone with a Debt Management Plan, and the steps to take if the credit counselor handling your DMP has gone out of business. Also offers a list of questions to ask when choosing a credit counselor.
Gold and Platinum Cards
[PDF]
If you’re looking for credit, be wary of some 'gold' or 'platinum' card offers promising to get you credit cards or improve your credit rating. Lists tip-offs to rip-offs.
Knee Deep in Debt
[PDF]
[en español]
If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Tips on getting back in the black.
Mortgage Payments Sending You Reeling? Here’s What to Do
[PDF]
[en español]
For consumers who may be having trouble paying their mortgage. Explains options to help save their homes, and how to recognize and avoid foreclosure scams. 8.5"x11", 4 pages.
Secured Credit Card Marketing Scams
[PDF]
A secured card requires you to open and maintain a savings account as security for your line of credit; an unsecured card does not. Describes common advertising and marketing scams for secured credit cards.
Vehicle Repossession: Understanding the Rules of the Road
[PDF]
[en español]
Discusses your creditor's rights in seizing and reselling your car for nonpayment, and explains deficiency - the difference between what you owe on your loan and what your creditor gets for reselling your car. 8.5"x11", 4 pages.
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