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Credit Issues and Debt Collection
Information about consumer rights in obtaining credit, maintaining credit, and credit collection, including specific information on student loan indebtedness.
Consumer Rights
- Credit and Consumer Rights
Overview of credit laws protecting consumers' rights to obtain, use, and maintain credit. Offers practical tips for solving credit problems.
- Fair Credit Reporting Act*
How the protections of the Fair Credit Reporting Act protect consumers' rights in credit scoring.
- Equal Credit Opportunity
Information on the Equal Credit Opportunity Act, which ensures that all consumers have an equal chance to obtain credit.
- Fair Debt Collection
Answers to frequently asked questions about debt, including consumer rights and the rules debt collectors must follow.
- Consumer Debt Calculator
This calculator explains interest payments and charts when a consumer will be debt-free, using specific data provided by the consumer.
- Free Credit Reports
Under new federal laws, every consumer is now entitled to a free annual credit report. This link is the only FTC-authorized source for ordering a credit report.
- Credit Counseling
The US Trustee's list of approved credit counseling companies, provided pursuant to the new Bankruptcy Act.
Other Sources of Credit/Loans
- Payday Loans
Alternatives to payday loans, and an explanation of how costly this type of credit really is.
- Advance-Fee Loans
Advice on avoiding this popular scam, including alternative low-cost help for credit problems.
- Substitute Checks
Information on the new "Check 21" law.
- Check-Cashing Stores
Why check-cashing stores are not the best way to cash payroll, government, or personal checks.
School Loans and Student Debt
- Tips for Students/Recent Graduates
Important information for students and recent graduates regarding credit and other general consumer protection information.
- Information for Maryland Students*
A guide to credit card marketing on college campuses in Maryland.
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