2011 Consumer Action Handbook by Martha Johnson, GSA Administrator

By Martha Johnson, GSA Administrator

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Extra resources for 2011 Consumer Action Handbook

Sample text

Avoid low-value extras such as credit insurance, extended warranties, auto club memberships, rustproofing, and upholstery finishes. You do not have to purchase credit insurance in order to get a loan. See Service Contracts and Extended Warranties (p. 2) and Credit Insurance (p. 15). Hybrid-electric cars are becoming popular among consumers interested in fuel economy and reducing their negative impact on the environment. These cars combine the benefits of gasoline engines and electric motors and can be configured to achieve different objectives such as improved fuel economy, increased power, or additional auxiliary power.

If the bill is correct, you must be told in writing what you owe and why. You must then pay it, along with any related finance charges. If you don舗t agree with the creditor舗s decision, file an appeal with the Office of the Comptroller of the Currency (p. 108). CARD ACT PROTECTIONS FOR CONSUMERS The Credit Card Accountability Responsibility 8 Disclosure (CARD) Act brought about sweeping protections for consumers. Among other things, your credit card company must comply with the rules below: Fees Cannot change rates or fees without sending you a notice 45 days in advance in most cases.

Org or call 1-866-889-9347. org. A debt collector may not: Contact you at unreasonable times, for example, before 8 am or after 9 pm, unless you agree. Contact you at work if you tell the debt collector your employer disapproves. Contact you after you write a letter telling the collector to stop, except to notify you if the collector or creditor plans to take a specific action. Contact your friends, relatives, employer, or others, except to find out where you live and work. Harass you with repeated telephone calls, profane language, or threats to harm you.

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