American Bar Association Guide to Credit and Bankruptcy : Everything You Need to Know about the Law, Your Rights, and Credit, Debt, and Bankruptcy,9780609809266

American Bar Association Guide to Credit and Bankruptcy : Everything You Need to Know about the Law, Your Rights, and Credit, Debt, and Bankruptcy

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ISBN13: 9780609809266
ISBN10: 0609809261
Format: Trade Paper
Pub. Date: 2006-01-10
Publisher(s): Random House Reference
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Summary

The average credit card debt per household is $7,500, and more than 1.6 million Americans file for bankruptcy each year.The American Bar Association Guide to Credit & Bankruptcyanswers the questions people commonly ask lawyers about getting, keeping, and repairing credit. Includes major new requirements of the bankruptcy reform bill, in effect October 2005 Topics include credit card debt, bankruptcy, and other forms of debt such as home mortgages, auto loans, and e-loans.

Author Biography

The American Bar Association is the nation's leading legal authority and the largest voluntary professional membership organization in the world. With more than 400,000 members, the ABA provides law school accreditation, continuing legal education, information about the law, programs to assist lawyers and judges in their work, and initiatives to improve the legal system for the public.

Table of Contents

Foreword vii
Introduction xi
PART ONE Consumer Credit
Credit: What Is It and What Does It Cost?
3(21)
How the Law Protects You
Your Right to Equal Credit
24(17)
What to Do About Credit Discrimination
Applying for Credit
41(7)
Information About Legal Protections in the Credit Application Process
Applying for a Credit Card (and Choosing the Right Card)
48(21)
Credit Cards, Their Cost, and Their Potential Effect on Your Credit Rating
How to Correct Billing Mistakes
69(9)
Your Rights Under the Fair Credit Billing Act and Other Consumer Protection Laws
Credit Records
78(17)
Your Rights Under the Fair Credit Reporting Act
Internet Credit
95(10)
Your Rights in Cyberspace
Identity Theft
105(12)
What It Is and How to Protect Yourself
Unfair Lending
117(11)
How to Protect Yourself from Loans You Can't Afford
Mortgage/Home Equity Loans
128(13)
An Area Ripe for Abuse by Predatory Lenders
Auto Financing and Leasing
141(13)
The Lowdown on Buying, Financing, and Leasing a Car
Dealing with Debt
154(9)
Tips on How to Get Control of Your Finances
Debt Collection and the Law
163(13)
Your Rights Under the Fair Debt Collection Practices Act
Credit Counselors---A Potential Pitfall
176(8)
Know Exactly What You're Getting Into
Where to Go for More Information
184(7)
PART TWO Bankruptcy
Problem Debt
191(9)
What to Do When You're Swimming in Red Ink
Bankruptcy Defined
200(19)
Your Guide to a Complicated Area of Law
Straight Bankruptcy---Chapter 7
219(27)
The Most Common Form of Bankruptcy
Wage-Earner Bankruptcy---Chapter 13
246(14)
A Form of Bankruptcy for People with Regular Incomes
Chapter 13 or Chapter 7?
260(11)
Which Should You Choose?---Advantages and Disadvantages
Saving Your Home
271(8)
What You Can Do to Protect Your Home Under Bankruptcy
Where to Go for More Information
279(4)
Appendix: How and Where to Resolve Credit Disputes 283(14)
Index 297(3)
About the Author 300

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