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Trouble Paying Your Taxes?

Do you owe back taxes and don’t know how you’re going to pay them? Tax relief companies say they can lower or get rid of your tax debts and stop back-tax collection. They say they’ll apply for IRS
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Debt Collection FAQs

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices
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Debts and Deceased Relatives

After a relative dies, the last thing a grieving family member wants is a call from a debt collector asking them to pay a loved one’s debt. Here’s what to know about the rules and your rights when a
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Mortgage Relief Scams

Scammers promise to make changes to your mortgage loan or take other steps to save your home, but they don’t deliver. Never pay a company upfront for promises to help you get relief on paying your
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Reverse Mortgages

Reverse mortgages are a way for older homeowners to borrow money based on the equity in your home. Here’s what to know about the potential risks, how reverse mortgages work, and how to get the best
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When a Company Declines Your Credit or Debit Card

Your card may be declined for a number of reasons: the card has expired; you’re over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car
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What to Know Before Selling Your Disability Payments

Do you have a legal settlement related to your disability that gives you regular payments? If you need more money in a hurry, you might consider working with a company that offers to give you quick
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Your Rights When Paying Your Mortgage

Dealing with your mortgage can feel confusing and frustrating. But you have rights when it comes to making your payments and how your servicer manages your account. What Is a Mortgage Servicer? How To
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Shopping for a Mortgage FAQs

Ready to buy a house? Shop around for mortgage loans by getting details and terms from several lenders or mortgage brokers. Use our Mortgage Shopping Worksheet to help you compare loans and prepare to
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Free Credit Reports

Learn how, why, and when to order copies of your free annual credit report.
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What To Know About Advance-Fee Loans

Some companies promise you a low-interest loan or credit card, but want a fee first. They’re scams. Learn the warning signs.
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Using Credit Cards and Disputing Charges

How you handle credit and paying your bills is an Important factor in your credit history and affects how much you will pay to get credit. When it comes to using a credit card, you have rights and
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How To Get Out of Debt

If you’re worried about how to get out of debt, here are some things to know — and how to find legitimate help. What You Can Do On Your Own Credit Counseling Debt Settlement Debt Consolidation Loans
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Lost or Stolen Credit, ATM, and Debit Cards

If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for charges made without your permission, but your protection depends on the type of card — and when you report
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Mortgage Discrimination

Discriminating against someone who’s trying to get a mortgage loan is against the law. Know your rights and what to do if you suspect discrimination. Fair Lending Laws and Your Rights Before and
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Credit Discrimination

Federal law gives you protections when you deal with any organizations or people who regularly extend credit. That includes, for example, banks, small loan and finance companies, retail and department
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Understanding Your Credit

We hear a lot about credit — credit reports, credit scores, credit freezes, credit monitoring. What does it all mean for you? Your credit matters because it affects your ability to get a loan, a job
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Avoiding Scams To Lower Your Credit Card Interest Rate

Some scammy debt relief companies will say just about anything to get your money. They promise to get you a lower credit card interest rate, claiming to be able to save you thousands of dollars but
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Home Equity Loans and Home Equity Lines of Credit

If you’re thinking about getting a home equity loan or a home equity line of credit, shop around. Compare financing offered by banks, savings and loans, credit unions, and mortgage companies. Shopping