Posted: 03 Mar 2014

Debt Settlement and Debt Negotiation


If you find your personal debt load unmanageable, whether for reasons such as job loss, a new baby, divorce, or something else, you may find yourself no longer able to make payments on all that you owe, let alone afford the cost of some minor or major emergency. In such a case, it may be tempting to ignore overdue notices or calls from collection agencies in the hope that you'll soon be able to resume your payments. It's important, though, to realize that ignoring your creditors can result in damage to your credit rating.


Posted: 01 Jul 2012

A Consumer's Guide to Check Identification and Credit Card Slip Laws


If you are paying by check, one of these laws prohibits a merchant from refusing to accept your check because you will not produce a credit card as identification for the check. If you are will­ing to show your credit card, the merchant may record the kind of card it is, the issuer, and its expiration date, but not the card number.


Posted: 01 Mar 2000

Credit Card Billing Errors


Under the federal Fair Credit Billing Act (FCBA), you may dispute any charge on your monthly credit or charge card statement that you feel is in error. This is true whether you purchased by phone, by mail, or in the store. The FCBA applies to "open end" accounts, such as, besides credit cards, revolving charge accounts (your department store account is an example) and overdraft checking.


Posted: 01 Jul 1997

Direct and Automatic Debiting


Direct debiting is a means of debiting (charging) your bank account based on information you give over the phone. The procedure may be attractive to you if you don't have or don't want to use a credit card or don't want to write and mail a check to pay for whatever you're buying.


Posted: 01 Feb 1998

A Merchant's Guide to Check Identification and Credit Card Slip Laws


Two laws affect sales transactions paid for by check or credit card in California. They are summarized below ...


Posted: 29 Sep 2014

Advance Fee Loans


Advertised on the radio and TV, on the internet, and in newspaper ads, Advance fee loan offers appeal to the people who need it most--those who can't get loans from conventional sources. Advance fee loan companies offer a ray of hope but are almost sure to leave the borrower worse off than before.


Posted: 19 Dec 2016

Gift Cards


A gift card can be the perfect gift. They are easy to shop for, oftentimes convenient to find, and can be purchased for virtually anything. Before you shop for a gift card, check out this handy guide for helpful information and tips on buying and using gift cards.


Posted: 13 Nov 2014

What You Should Know About Vehicle Repossession


If you're buying a car, truck, or some other vehicle on credit and you fail to make your payments on time, your vehicle could be repossessed. If you find yourself in a position where this could happen, there are, first, some steps you can take to lessen the likelihood of repossession. Also, you have rights when your vehicle is repossessed, and you should know what these are.


Posted: 01 Feb 2010

Credit Cards: The New Rules


Consumers who don't pay off their entire credit card balance each month can end up in snowballing debt. Congress passed the Credit Card Accountability Responsibility and Disclosure Act of 2009 in an effort to even the playing field for cardholders.


Posted: 04 Apr 2014

Identity Theft


Identity theft can happen to anyone at any time. Taking the time to identify what identity theft is, recognizing the warning signs, learning preventative measures to guard your information, and knowing what you can do if you have been victimized may help ward off thieves and or recover from the act.


Posted: 14 Jul 2014

Mobile Apps


Mobile apps have become extremely popular with smartphone, tablet, and mobile device users. People all around the world download apps daily for everything from finding a restaurant, checking movie times, playing games, or reading books, to more serious things like mobile banking, managing accounts, checking stocks, etc. With more and more apps added daily, it’s important to know how mobile apps work and what you are agreeing to when you click that install button.


Posted: 28 Jan 2016

Credit Repair


Bad credit is a frustrating obstacle that many find themselves having a hard time to get over. For many drowning in debt the services of a credit repair service may appear to be a lifesaver. However, there are some businesses that make grand claims but fail to deliver. Consumers should know there is no quick fix to improving your credit. This resource guide will help you identify your rights when it comes to credit, provide information on what credit repair companies can and cannot do for you, signs to identify a credit repair scam, and steps to take to protect yourself.