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If you happen to be behind on your payday loans and your checks keep bouncing, you may be worried about facing criminal prosecutions. Some “payday” lenders have been known to call and threaten borrowers to “pay or go to jail.” As a result many “payday” loan borrowers are terrified by threats of criminal prosecution. But if you are in this situation, you should not be scared by these “loan shark” threats...
Many older Americans have difficulty meeting their monthly expenses. A fixed income can’t always cover a senior’s needs, particularly unexpected needs associated with medical problems, home and car repairs, or even an old refrigerator that doesn’t work anymore. Unfortunately, there are few resources to help vulnerable seniors get through these hard times. Affordable small loans are hard to come by. As a result, many seniors end up with very high cost small loans, including payday loans...
A loan is borrowed money which must be repaid in one or more payments. Lenders charge interest on the amount you borrow. This means that you pay back more than you receive. This is how a lender covers the cost of doing business and makes profit. The higher the interest rate, the more you must repay. You should know that the lower the monthly payment, the longer it will take you to repay the loan and the more you will pay to borrow the same amount at the same interest rate.
See the attached guides in English and Spanish for more information.
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge. It’s not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility...
If you’ve maxed out your credit cards and you’re getting deeper and deeper in debt, chances are you’re feeling overwhelmed. How are you ever going to pay it down? Now imagine hearing about a company that promises to erase your debt for pennies on the dollar. Sounds like the answer to your problems, right?
The Federal Trade Commission (FTC), the nation’s consumer protection agency, says slow down, and consider all the steps that can get you out of the red without spending a whole lot of green.
Five Different Sample Letters to Send Debt Collectors
Wondering how to respond to a debt collector?
The Consumer Financial Protection Bureau created the following sample letters to help if you:
This section provides information on the Fair Housing Act and the classes of people it protects. Consumers can learn about their Fair Housing rights and what they can do to exercise and protect those rights. Housing providers can learn about best practices and compliance with fair housing laws.
Links to more information are available by clicking on the tabs above.
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Fair Housing Act
a. The Fair Housing Act, Title VIII of the Civil Rights Act, prohibits discrimination in the sale and rental of housing. It prohibits any discrimination that is based on a person’s: Race, Color, Sex, Religion, National Origin, Disability, or Familial Status. These are called “the protected classes.”
b. The purpose of the FHA is to allow everyone in the community freedom to choose where they live.
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.
Addressing issues that can lead to unhealthy housing and looks at how unhealthy housing can sometimes be a Fair Housing issue.
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