ABA Consumer Guide to Understanding and Protecting Your Credit Rights: A Practical Resource For Maintaining Good Credit
- Publisher:
- American Bar Association
- Publication date:
- 2017-06-16
- Authors:
-
Daniel A. Edelman
(Lawyer) - ISBN:
- 9781634253574
Description:
The vast majority of Americans obtain credit at some point in their lives. Over 75 percent of Americans have at least one credit card. Credit also includes home mortgages, car loans, and student loans. This book looks at the basic rights with respect to obtaining and protecting credit.
Index
- Introduction
- Your Rights When Borrowing Money
- Understanding the Terms and Total Cost of Credit
- Shopping for Credit Cards
- Negotiating a Home Mortgage Loan
- Mortgage Servicing
- Negotiating a Car Loan
- Obtaining a Student Loan
- Credit Card Rights
- Prepaid Cards
- Debit Cards and Electronic Fund Transactions
- Student Loan Rights
- Other Types of Loans
- Your Rights as a Debtor
- The Collection Industry: Debt Buyers versus Original Creditors
- What to Do If You Are a Defendant in a Collection Lawsuit
- Defenses to Collection Claims
- Dealing with Collection Calls
- Credit and Spending: Avoiding Common Mistakes and Borrowing Responsibly
- Your Rights with Respect to Credit Reports
- Improving Your Credit Score
- When to Hire a Lawyer to Deal with a Credit Report Problem
- The Scope and Nature of Identity-Theft Crime
- Safeguarding Your Information from Identity Theft
- What to Do If You Are a Victim of Identity Theft
- Epilogue