Managing Debt and Credit


 

The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter.


Agency: Federal Trade Commission


Since your liability for unauthorized charges is limited to $50, there's no need to buy loss protection insurance.


Agency: Federal Trade Commission


Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems.


Agency: Federal Trade Commission


Blocking often occurs when you use a credit or debit card to check into a hotel or rent a car. The clerk usually contacts the company that issued your card to give an estimated total. If the transaction is approved, your available credit (credit card) or the balance in your bank account (debit card) is reduced by this amount. Learn why blocking may be a problem, and how to avoid it.


Agency: Federal Trade Commission


Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits - and pitfalls - of each.


Agency: Federal Trade Commission


Outlines procedures for reporting loss or theft, and how to minimize your risk.


Agency: Federal Trade Commission


Explains credit card terms, how your balance is computed, and how to shop for the best deal. Outlines cardholder protections.


Agency: Federal Trade Commission


Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more.


Agency: Federal Trade Commission


How to save time, reduce stress and eliminate clutter... and maybe even save more money.  Ever paid a bill late because you misplaced it?  This FDIC Consumer News article includes a list of things you can do to make your banking, bill paying and other financial chores easier.  For additional information call toll-free 1-877-ASK-FDIC (1-877-275-3342). For the hearing-impaired, the number is 1-800-925-4618.


Agency: Federal Deposit Insurance Corporation


Financial Education: FDIC's Money Smart financial education program. The Money Smart program can help you take charge of your finances and create a better financial future.  Available on-line or by mail free of charge; it may also be taught in a classroom setting or downloaded into a portable audio (MP3) format.  For additional information call toll-free 1-877-ASK-FDIC (1-877-275-3342); hearing impaired 1-800-925-4618.

Audience: 
Consumers, Adults, Young Adults, Educators, Low and Moderate Income Individuals

Agency: Federal Deposit Insurance Corporation


More Americans feel added stress and anxiety about their financial future as talk of rising consumer debt, falling housing prices, rising costs of living, and declining retail sales bring up worries about the nation’s economic health.Money is often on the minds of most Americans. In fact, according to the American Psychological Association’s 2007 Stress in America survey, money and work are two of the top sources of stress for almost 75 percent of Americans. Add to the mix headlines declaring a looming economic recession, and many begin to fear how they can handle any further financial crunch.


Agency: Department of Agriculture


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.


Agency: Federal Trade Commission


Cautions consumers about companies that charge hundreds, even thousands of dollars, but don't deliver on their claims. The truth is, no one can legally remove accurate negative information from a credit report.


Agency: Federal Trade Commission


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.


Agency: Federal Trade Commission


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.


Agency: Federal Trade Commission


Urges consumers to use caution when reading ads pitching debt relief. Lists what to look out for, and offers tips if you’re having trouble paying your bills.


Agency: Federal Trade Commission


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.


Agency: Federal Trade Commission


This website provides information that may be helpful to consumers, financial institutions, and the community groups working with them on foreclosure-related issues. 

Audience: 
Homeowners, General Public, Housing Counselors

Agency: Federal Deposit Insurance Corporation


Learn how long it will take you to pay off your credit card balance.


Agency: Board of Governors of the Federal Reserve System


FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. Consumer News articles issued in 2009 and beyond are being adapted for audio. Individuals are able to click the desired issue to download or listen to the articles in that issue; go to http://treas.gov/cgi-bin/redirect.cgi?http://www.fdic.gov/consumers/consumer/news/audio/index.html

Audience: 
General Public

Agency: Federal Deposit Insurance Corporation