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The Federal Trade Commission has created guidance for consumers on whether debt relief or bankruptcy may be right for them.
As a general rule, you cannot discharge back taxes in bankruptcy. Certain income taxes, however, can be discharged under limited circumstances...
Be careful if you settle any credit card debts before filing bankruptcy because you may convert a debt that is dischargeable in bankruptcy into a non-dischargeable debt...
For more information regarding the truth about credit reports and credit repair agencies in English, please see our guide in English below.
Para informacion en Espanol, ha clic "La Verdad Sobre el Informe de Crédito Y Las CompañÍas de Reparación de Crédito."
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). For example, you must be told if information in your file has been used against you and you have the right to ask for a credit score.
A summary on a housing provider’s obligation to make reasonable accommodations and modifications which may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling.
What is a Reasonable Accommodation?
Introduction
The Federal Fair Housing Act (“Act”) (42 U.S.C. §§ 3601-19) prohibits discrimination inhousing on the basis of race, color, religion, sex, national origin, familial status, and disability (as well as sexual orientation/gender identity if the housing provider or program receives federal funding. A housing provider’s refusal to make a reasonable accommodation that is necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling constitutes disability discrimination and is a violation of the Act.
Ageing Safely has developed the following three forms to help with consumer law issues or issues dealing with money and debt:
Letter to a creditor to request debt forgiveness when a bill is owed
Letter to a creditor to dispute a charge from a bank or company
Letter to a credit bureau to dispute an item on a credit report
Please visit Ageing Safely's website for links to these interactive forms: https://agingsafely.us/free-forms/.
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