The Center For Debt Management
Debt Relief

Debt Consultation

Debt Settlement

Debt Consolidation

Debt Management

Credit Counseling

Filing Bankruptcy

Budget Software

Tax Debt Relief

Student Debt

Business Debt

Stop Foreclosure

Credit Report

Legal Resources

Credit and Financing

Financial Resources

Income Resources

US Tax Center

Insurance Center


Financial Library

Financial Bookstore


 

Consumer Handbook To
Credit Protection Laws

INTRODUCTION

THE COST OF CREDIT

Shopping Is the First Step
What Laws Apply?
The Finance Charge and Annual Percentage Rate (APR)
A Comparison
Cost of Open-end Credit
Leasing Costs and Terms
Open-end and Closed-end Leases
Costs of Settlement on a House

APPLYING FOR CREDIT

Discrimination
What Law Applies?
What Creditors Look For
Information the Creditor Can't Use
Special Rules
Discrimination Against Women
If You're Turned Down

CREDIT HISTORIES AND RECORDS

Building Up a Good Record
What Laws Apply?
Credit Histories for Women
Maintaing Complete and Accurate Credit Records

OTHER ASPECTS OF USING CREDIT

What Laws Apply?
Billing Errors
Defective Goods or Services
Prompt Credit for Payments and Refunds for Credit Balances
Cancelling a Mortgage
Lost or Stolen Credit Cards
Unsolicited Cards

ELECTRONIC FUND TRANSFERS

EFT in Operation
What Law Applies?
What Record Will I Have of My Transactions?
How Do I Correct Errors?
What About Loss or Theft?
What About Mail Solicitations for Debit Cards?
Do I Have to Use EFT?

FILING A COMPLAINT ABOUT CREDIT

Filing a Complaint with Federal Enforcement Agencies
Penalties Under the Laws

GLOSSARY

FEDERAL RESERVE SYSTEM

DIRECTORY OF FEDERAL AGENCIES

Back Index Next

Deep In Debt?  —  Call 1800 DEBT.COM  —  Get Help Today!


 
Over 2,000 Pages of Content
Center For Debt Management

Center For Debt Management

The Center For Debt Management

Helping Consumers Save Money and Reduce Debt Is Our Only Business!

We invite you to explore the sectors listed below. We promise that you'll find exceptional values, offers and resources to reduce your living expenses and to enjoy life! But First—if you're over-your-head in debt—get a free no-obligation debt consultation right now!
 


Debt Management and Financial Services! The Internet's oldest and most comprehensive debt management agency! Resources for debt management, consumer credit counseling, debt consolidation loans, debt settlements, legal aid, financial aid, credit and financing, credit reports, budget software, insurance, income resources, tax assistance and more. Get out of Debt! Call Now — 1800DEBT.COM

Established In 1989 and Serving The Online Community Since 1992!

Get Out Of Debt: Call 1800Debt.com

Center For Debt Management