Chapter 1. Your Rights When Borrowing Money
Chapter 2. Understanding the Terms and Total Cost of Credit
Applicability of the Truth in Lending Act
Chapter 3. Shopping for Credit Cards
Chapter 4. Negotiating a Home Mortgage Loan
Chapter 6. Negotiating a Car Loan
Chapter 7. Obtaining a Student Loan
Defective Goods and Other Claims and Defenses
Other Rights of Consumers in Credit Card Transactions
Disclosure of Terms of Cardholder Agreements and Free Credit Reports
Chapter 10. Debit Cards and Electronic Fund Transactions
Chapter 11. Student Loan Rights
Chapter 12. Other Types of Loans
It Is Your Right to Know Why You Are Turned Down for Credit or Had Your Rate Increased
Chapter 13. Your Rights as a Debtor
Special Rules Regulating Cell Phone Calls
False, Misleading, and Unfair Acts and Practices
Where Collection Lawsuits May Be Filed
Unsophisticated or Least Sophisticated Consumer Standard
Chapter 14. The Collection Industry: Debt Buyers versus Original Creditors
Chapter 15. What to Do If You Are a Defendant in a Collection Lawsuit
Chapter 16. Defenses to Collection Claims
Bogus Charges on Credit Card Accounts
Capacity of Parties to Credit Card Accounts
Promises to Answer for the Debt of Another
Liability of Parents and Spouses
Liability of Children for Parent’s Debts
Chapter 17. Dealing with Collection Calls
What to Say and What Not to Say
How to End Harassing Telephone Calls
Negotiating a Payback Arrangement
When to Contact a Lawyer Regarding Debt Collection
Chapter 18. Credit and Spending: Avoiding Common Mistakes and Borrowing Responsibly
Chapter 19. Your Rights with Respect to Credit Reports
Credit Scores and How They Are Calculated
What Credit Scores Do Not Consider
Effect of Credit Inquiries on Credit Score
Paying Off Collection Accounts
Foreclosures and Foreclosure Alternatives
Cleaning Up Errors on Your Credit Report
What Types of Information on Your Credit Report May Be Challenged
Are Reports Prepared on Insurance and Job Applicants Different?
List of Tenant and Employment Screening Agencies
Chapter 20. Improving Your Credit Score
Chapter 21. When to Hire a Lawyer to Deal with a Credit Report Problem
Chapter 22. The Scope and Nature of Identity-Theft Crime
Who Is the Biggest Threat to Stealing Your Identity?
Common and New Types of Identity Theft
Chapter 23. Safeguarding Your Information from Identity Theft
Where Is Your Information Kept, and How Can You Keep It Safe?
Being Safe Online and on the Telephone
Watch What You Put in the Trash
Use Discretion in Private Places
Monitor Your Bank and Credit Card Statements and Credit Reports
Chapter 24. What to Do If You Are a Victim of Identity Theft
Recognizing That Your Identity Has Been Stolen
Repairing Damage to Your Credit Report—Reports You Must File
Removing Unauthorized Charges from Accounts