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If you are being contacted by a debt collector in violation of the Fair Debt Collection Practices Act (FDCPA), you may want to consider writing a Cease and Desist Letter to the debt collector.
Utah State University has devleoped a PowerPay Tool: Helping Debtors Become Savers which guides people through the process of paying off and eliminating debt and saving.
PowerPay helps you develop a personalized, self-directed debt elimination plan. Discover how quickly you can become debt free and how much you can save in interest costs by following your debt reduction plan. Utah State University Extension is pleased to provide this debt management tool without any cost to consumers worldwide.
The National Consumer Law Center has created guides addressing your credit card and debit card protections and legal rights. For more information, please view the attached factsheets.
The Consumer Financial Protection Bureau created a "Shopping for Your Home Loan" guide for persons looking to buy home. This guide includes tips and advice before you purchase a home or settle on a home loan company.
The National Consumer Law Center (NCLC) has created Consumer Advice for Dealing with Debt Collectors. Their webpage covers the following information:
If you need help with an SSI or SSDI overpayment issue, you can complete a form asking Social Security to waive repayment or lower the rate of repayment of the overpayment. For more information and a self-guided tool, please visit the Suffolk Lit Lab's website here:
https://apps.suffolklitlab.org/run/ssioverpayment/#/1
The Suffolk Lit Lab has developed a form to help people on SSI or SSDI create a letter to report changes to Social Security that might affect their benefits and to avoid any possible overpayments. For more information, visit their website here: https://apps.suffolklitlab.org/run/ssareportchangesletter/#/1
For more information on common financial scams and how to report them to the appropriate agencies or officials, please review our Common Financial Scams Flyer or Brochure below.
For other information regarding common digital scams, please visit: https://www.seniorlifestyle.com/resources/blog/protect-your-parents-from-common-digital-traps/.
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