The Links provided below are mostly from The FTC A bipartisan federal agency with a mission to protect consumers by stopping unfair, deceptive or fraudulent practices in the marketplace.
We conduct investigations, sue companies and people that violate the law, develop rules to ensure a vibrant marketplace, and educate consumers and businesses about their rights and responsibilities. We collect complaints about hundreds of issues from data security and deceptive advertising to identity theft and Do Not Call violations, and make them available to law enforcement agencies worldwide for follow-up. Our experienced and motivated staff uses 21st century tools to anticipate – and respond to – changes in the marketplace.
Understand Vehicle Financing
Everything You Need to Know & Understand before you make a purchase
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Buying a Used Car
Do Your Homework First it may save you Serious Money
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Vehicle Repossession
Know the laws in Your State
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Auto & Service Repair Basics
The best way to avoid Auto Repair rip-offs
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Free Credit Reports
There is only one Free Site under the Law , Find Out About the other “ imposter” Websites
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Credit Repair: How to Help Yourself
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Disputing Errors on Credit Reports
What is on your Report
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Coping with Debt:
Learn Your Options
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Paying Down Credit Card Debt
How much will your purchase cost you over time ?
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Debt Collection :
You have Rights under the Fair Debt Collection Practices Act which prohibits degt collectors from unfair , or deceptive practices to collect from you.
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The Get Out of Debt Guy
lots of great postings with great information on a broad scale of debt issues including Student loans, private student loans, Bankruptsy filings on student loans
Click Here for more information
National Association of Consumers Advocates, Consumer Representation
More than 1500 Attorneys who represent and have represented thousands of Consumers victimized by fraudulent, abusive and predatory business practices. An organization devoted to consumer justice, on this website you will learn some of your basic rights, find some help, Issue Areas include
- Arbitration
- Auto issues
- Bankruptcy
- Credit Reporting
- Debt Collections
- Identity theft
- Military consumers
- Mortgage, Real Estate & Housing
- Payday , Title loans & lending
- Robo calls & Telemarketing
- Student Loans
Solving Consumer Problems:
Are You Disappointed by a product or service you’ve paid for ?
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Job Hunting
What Applicants should know about Background Checks:
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Work at Home Business
How to avoid Schemes, What to look for
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Multilevel Marketing & Pyramid Schemes
Consider the Product, Learn more About the Product & Evaluate the Plan
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Financial Aid Scams For College
What You Need to Know
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Shopping For a Student Loan
How to spot Potentially deceptive claims & Business Practices
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Computer Security
How to Keep Your Computer Safe
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Kids Online Safety
Reduce the Risks What to talk to your Kids About
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Help Finding an affordable home, weather buying or renting help USA.GOV has real solutions
HRSA Health Centers care for you, even if you have no health insurance – you pay what you can afford based on your income. Health centers provide services that include checkups when you are well, treatment when you are sick, complete care when you are pregnant, and immunizations and checkups for your children. Some health centers also provide mental health, substance abuse, oral health, and/or vision services. Contact the health center organization directly to confirm the availability of specific services and to make an appointment.
Renters Insurance What you need to know
If you think that your landlord is financially responsible when there is a fire, theft, or other catastrophe think again, they may have protection for their building your living in , but the landlords policy wont replace your personal possessions , also a StATE INSURANCE DEPT contact list for each state. If you have have been delayed or turned down on a claim you feel they should have paid , go to your states web site, get the laws the insurance companies must comply to, and then write a demand letter stating the laws regarding your issue, the time frame they must comply to ect… You will get results !
Authorization For minors medical treatment. Use this form to give authourity to authorize medical care for your child, avoid delays and roadblocks
A legal form to fill in and print off Nolo’s website minimul charge.
Stop Unwanted Calls & Texts
The federal Communications Commissions gives you the steps
Understanding your Cell Phone Bill
