Filing for Bankruptcy: What to Know (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.
Español Presentar su declaración de bancarrota personal: Lo que necesita saber
- Filing for Bankruptcy: What to Know (FTC)
5 Tips for Getting the Most from Your Credit Card
Suggests dos and don'ts to manage your credit card account.
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 (CFPB)
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.
The Credit CARD Act: A Bill of Rights for Credit Cardholders (CFPB)
Learn more about how the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) serves as a bill of rights for credit cardholders.
Know Before You Owe (CFPB)
View a prototype that will help you better understand your credit card agreement.
Using a Credit Card
Regardless of whether you are using your credit card to buy a laptop or laundry soap, you have rights and responsibilities under the law.
Español Tarjetas de crédito: Sus derechos y obligaciones
When a Company Blocks Your Credit or Debit Card (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.
Español Cuando una compañía le bloquea su tarjeta de crédito o débito
- 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.
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 (FTC)
Carefully consider your rights and obligations before co-signing a loan.
Español Información para los cosignatarios de préstamos (FTC)
Credit, Debit and Charge Cards (FTC)
Understand how each card works and the potential benefits and concerns of each.
Español Tarjetas de crédito, débito, y cargo
Disputing Credit Card Charges (FTC)
Learn more about your rights under the Fair Credit Billing Act.
Español FacDisputar un cargo de tarjeta de crédito (FTC)
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
- Co-Signing a Loan (FTC)