The everything you need to know about credit repair, staying or getting out of debt and personal bankruptcy American Bar Association text nyu New York Random House Reference c2009 2009 2nd ed. monographic eng

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xii, 339 p. 21 cm. Shares essential information on how to build and protect one's credit, explains how to make informed decisions about debts and bankruptcy, and covers the latest changes in bankruptcy law, credit card rates, and home equity loans. Part I Dealing with debt -- Credit what is it and what does it cost? -- Your right to equal credit -- Applying for credit -- Applying for a credit card (and choosing the right card) -- How to correct billing mistakes -- Credit records -- Electronic payments and credit -- Identity theft -- Unfair lending -- Mortgage and home equity loans -- Auto financing and leasing -- Debt collection and the law -- Credit counselors : a potential pitfall -- Part II Problem debt -- Bankruptcy defined -- Straight bankruptcy : Chapter 7 -- Wage-earner bankruptcy : Chapter 13 -- Chapter 7 or Chapter 13? -- Saving your home -- Getting help -- Appendix A How to resolve credit disputes -- Appendix B World at you r fingertips American Bar Association. Includes index. Consumer credit Law and legislation United States Popular works Debt Relief Popular works Bankruptcy United States Popular works Credit cards Law and legislation United States Popular works KF 1524 .6 .A46 2009 346.7307/7 9780375723001 (pbk.) 0375723005 (pbk.) PUCPR 081220 20160527183531.0 299066