Credit Card Catch
(Separate Website)
You might think that as long as you pay your credit card bill on time, your credit card company can’t raise your interest rates without giving you fair warning-guess again. Increasingly common among credit card companies is what’s known as a “universal default” policy. These policies are often hidden in the fine print of your credit card agreement or may be tucked away as a policy update in one of the many flyers or special offers you receive from the company throughout the year.
It's bad enough that credit card companies aren’t usually up front about their universal default policies, but what makes universal default even worse is that it may have nothing to do with your payment history on your credit card account or any of your other debts.
By: Barnes Law Group
Fast Facts on Consumer Rights
(Separate Website)
This document provides some quick tips on your rights in certain consumer issues.
By: Barnes Law Group
The Privacy Rights Clearinghouse
(Separate Website)
The Privacy Rights Clearinghouse (PRC) is a nonprofit consumer organization with a two-part mission -- consumer information and consumer advocacy. It was established in 1992 and is based in San Diego, California. It is primarily grant-supported and serves individuals nationwide.
The PRC's goals are to:
Raise consumers' awareness of how technology affects personal privacy.
Empower consumers to take action to control their own personal information by providing practical tips on privacy protection.
Respond to specific privacy-related complaints from consumers, intercede on their behalf, and, when appropriate, refer them to the proper organizations for further assistance.
Document the nature of consumers' complaints and questions about privacy in reports, testimony, and speeches and make them available to policy makers, industry representatives, consumer advocates, and the media.
Advocate for consumers' privacy rights in local, state, and federal public policy proceedings, including legislative testimony, regulatory agency hearings, task forces, and study commissions as well as conferences and workshops.
By: The Privacy Rights Clearinghouse
Consumer Information for Domestic Violence Survivors
(Separate Website)
These two brochures are geared to help survivors of domestic violence with credit and debt issues.
By: Consumer Rights for Domestic Violence Survivors Initiative
What You Need to Know about Garnishments and Bankruptcies This brochure provides basic legal information about garnishments and bankruptcies in Georgia.
By: Georgia Legal Services Program®
Basic Debt Collection and Consumer Protection in Georgia
This document describes the law relating to debt collection and basic consumer protection laws, answering the following questions: Why do you need to understand your contract before signing it? How can creditors collect debts? How can consumers protect themselves? The document is an excerpt from An Introduction to Law in Georgia,
Fourth Edition, published by the Carl Vinson Institute of Government, 1998 (updated 2004).
By: Carl Vinson Institute of Government, University of Georgia
Read this in:
Spanish / Español
Fair Debt Collection
(Separate Website)
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. This brochure answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.
By: Federal Trade Commission
Read this in:
Spanish / Español
How to Use the Fair Debt Collection Practices Act Letter
Do you have debt collectors calling you all the time at work and at home? You have protection under federal law under the Fair Debt Collection Practices Act. This document explains the law and provides a sample letter for you to use.
By: Atlanta Legal Aid Society
Questions about Family Consumer Debt Problems
This web page helps you understand your rights in connection with creditors.
By: Atlanta Legal Aid Society
The Fair Debt Collection Act
(Separate Website)
How the Fair Debt Collection Act protects the consumer
By: Barnes Law Group
Debt Collection FAQs: A Guide for Consumers
(Separate Website)
This web site describes your basic federal rights in connection with debt collectors.
By: U.S. Federal Trade Commission
Read this in:
Spanish / Español
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