ABA Consumer Guide to Understanding and Protecting Your Credit Rights by Edelman, Daniel A. -- Read -- Imperial Library of Trantor

Index

Cover Title Page Copyright Page Contents Introduction Chapter 1. Your Rights When Borrowing Money Chapter 2. Understanding the Terms and Total Cost of Credit

Applicability of the Truth in Lending Act

Closed-End Credit Open-End Credit

Chapter 3. Shopping for Credit Cards Chapter 4. Negotiating a Home Mortgage Loan Chapter 5. Mortgage Servicing Chapter 6. Negotiating a Car Loan Chapter 7. Obtaining a Student Loan Chapter 8. Credit Card Rights

Credit Billing Unauthorized Use Defective Goods and Other Claims and Defenses Other Rights of Consumers in Credit Card Transactions Arbitration Clauses Disclosure of Terms of Cardholder Agreements and Free Credit Reports

Chapter 9. Prepaid Cards Chapter 10. Debit Cards and Electronic Fund Transactions Chapter 11. Student Loan Rights Chapter 12. Other Types of Loans

Payday and Auto Title Loans Overdraft Protection 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

Verification of Debts Third-Party Contacts Communication with the Debtor Special Rules Regulating Cell Phone Calls Abuse and Harassment False, Misleading, and Unfair Acts and Practices Where Collection Lawsuits May Be Filed Unsophisticated or Least Sophisticated Consumer Standard Damages

Bogus Charges on Credit Card Accounts Capacity of Parties to Credit Card Accounts Statutes of Limitations Promises to Answer for the Debt of Another Liability of Parents and Spouses Liability of Children for Parent’s Debts Nursing Home Debts Other Health-Care Debts Automobile Deficiencies Defective Goods and Services

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

Credit Scores and How They Are Calculated Credit History Amounts Owed What Credit Scores Do Not Consider Effect of Credit Inquiries on Credit Score Improving Your 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 Who Can Get My Credit Report? Are Reports Prepared on Insurance and Job Applicants Different? Tenant Screening Employment Background Checks 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? Keeping Your Information Safe Being Safe Online and on the Telephone Suspicious Transactions 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 Closing Accounts Removing Unauthorized Charges from Accounts Other Steps That You May Need to Take

Tax-Related Identity Theft Opening New Accounts

Epilogue Index