Consumer
Bankruptcy
Bankruptcy is a legal proceeding in federal court in which a person with debts (called the debtor) can be freed or “discharged” from most of the debts. There are different chapters or...
Credit Reports
What is a credit report?
A credit report may contain information about where you live, home and car loans, credit cards, your bill payment history, bankruptcy, and other legal actions. ...
Debt Collection
What rights do I have when collectors call?
You have rights, even if you owe money. Many of your rights depend upon who is trying to collect the debt.
Collection Agency is the...
Exempt Property
What Does Exempt Property Mean?
Property that is protected and cannot be taken by your creditors to pay off a judgment for debt.
Who May Claim an Exemption?
You or your spouse, your...
Foreclosure
What is Foreclosure?
Foreclosure means your creditor is trying to take your house and sell it to collect the money you owe. This happens when you get behind on your payments.
What do...
Identity Theft
Identity Theft is the largest consumer complaint filed with the Federal Trade Commission (FTC) every year.
What is Identity Theft?
If you have been the victim of identity theft, it could...