Individual

Offers tell-tale signs that a debt collector may be a fake, and what to if you get calls from people trying to collect a debt.

Explains the costly consequences of default. Stresses that if you’re having trouble making your mortgage payments, you should contact your loan servicer to discuss your options as soon as you can.

Explains how reverse mortgages (RMs) can help older homeowners who are “house-rich but cash-poor” remain in their homes and still meet their financial obligations. Explains how the three types of RMs work: single-purpose, federally-insured, and proprietary; and how to get a good deal, and where to complain.

To clear up misconceptions consumers have about where they must take their new car for routine service and repairs in order to be covered under their vehicle.

Understanding how negative equity works in a vehicle trade-in can help you make a better informed choice about buying and financing a car, and determine.

Cautions consumers about auto loan modification companies that claim they can reduce your monthly car loan or lease payment to help you avoid repossession.

Cautions consumers to be skeptical of mail and phone calls warning that their car warranty is about to expire and offering high cost service contracts.

Explains how debt collection arbitration works and what your rights are.

Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer.

Lists options for help in managing your debt, including dealing with your creditors directly, contacting a credit counselor, and considering bankruptcy. What to watch out for from companies that promise to settle your debt.