Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education (FTC)
If you plan to file for bankruptcy protection, you must receive credit counseling from a government-approved organization within 180 days before filing. You must also complete a debtor education course to have your debts discharged. Find out more about these requirements under The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
- Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education (FTC)
5 Tips for Getting the Most from Your Credit Card
Suggests dos and don'ts to manage your credit card account.
Español 5 consejos para obtener el máximo de su targeta de crédito
Billed for Merchandise You Never Received? Here's What to Do (FTC)
Learn what your options are when you get a credit card bill but no merchandise.
Español ¿Le han cobrado por mercadería que nunca recibió? Esto es lo que debe hacer. (FTC)
College Credit Card Agreements Search
A tool that provides you access to the complete text of agreements between credit card issuers and educational institutions that provide for the issuance of credit cards to students.
A Consumer Guide to Credit Cards
An interactive web site to help you navigate the credit card process and with information on recent changes to credit card rules.
Credit and Debit Card Blocking (FTC)
Merchants use card "blocking" to make sure that your charges do not exceed your credit limit (credit card) or overdraw your bank account (debit card), leaving them unpaid. This site has information on when and why blocking happens and how to avoid it.
Credit Cards: New Law Protects Consumers from Surprise Fees, Rate Increases and Other Penalties (FDIC)
How the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) affects credit cards, gift cards, and other types of revolving credit accounts.
- 5 Tips for Getting the Most from Your Credit Card
Debt Collection (FTC)
Know your rights under the Fair Debt collection Practices Act when debt collectors contact you.
Español Cobranza de deudas (FTC)
Debts and Deceased Relatives (FTC)
Understand whether you are responsible to pay the debt of a deceased family member.
Español Deudas de familiares fallecidos (FTC)
Garnishing Federal Benefits (FTC)
If you have unpaid debt, learn which federal benefits may be exempt from garnishment by a debt collector.
Español Embargo de beneficios federales: Sus derechos (FTC)
- Debt Collection (FTC)
Auto Loans and Vehicle Leasing
Keys to Vehicle Leasing: A Consumer Guide
Guidance for consumers on leasing a vehicle, including information on consumer rights, a sample leasing form explaining costs, and definitions of terms used in vehicle leasing.
Español Arrendar un vehículo: Guía del consumidor
Understanding Vehicle Financing (FTC)
Get the facts about dealership financing - what it is, how you apply, special financing offers, cash back and rebates you may be eligible for, and more.
Español Comprenda cómo funciona la financiación de vehículos
- Keys to Vehicle Leasing: A Consumer Guide
Other Credit Issues
Co-Signing a Loan Can Be Costly (FDIC)
Carefully consider your rights and obligations before co-signing a loan.
Credit Protection: Understand the Costs, Limitations and Alternatives Before You Buy (FDIC)
Know the difference between credit insurance, debt cancellation programs and debt suspension programs and your right to refuse coverage.
Debit vs. Credit Cards: How They Stack Up (FDIC)
Understand how the two cards work and the potential benefits and concerns of both.
Fair Credit Billing (FTC)
Learn more about your rights under the Fair Credit Billing Act.
Español Facturación imparcial de crédito (FTC)
Getting Credit When You Are Over 62 (FTC)
Information on applying and qualifying for credit when you are over 62 years old and what to do if you are denied a loan.
Prescreened Credit and Insurance Offers (FTC)
Explains why you get "pre-approved" mail and telephone offers for credit cards or insurance and how to stop them.
Español Ofertas de crédito y seguro pre-aprobadas
Your Credit Rights: How the Law Protects You
Understand how your credit is awarded or denied and what you can do if you are treated unfairly.
- Co-Signing a Loan Can Be Costly (FDIC)