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Download e-book for kindle: 2011 Consumer Action Handbook by Martha Johnson, GSA Administrator

By Martha Johnson, GSA Administrator

ISBN-10: 1612210007

ISBN-13: 9781612210001

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If an organization won舗t help you because you can舗t afford to pay, go somewhere else for help. Will your counselor help you avoid future problems? Getting a plan for avoiding future debt is as important as solving the immediate debt problem. Ask for a contract. All verbal promises should be in writing before you pay any money. Are your counselors accredited or certified? Legitimate credit counseling firms are affiliated with the National Foundation for Credit Counseling (p. 150) or the Association of Independent Consumer Credit Counseling Agencies.

You Have The Right To: Have credit in your birth name, your first name and your spouse/partner舗s last name, or your first name and a combined last name. Have a co-signer other than your spouse if one is necessary. Keep your own accounts after you change your name or marital status or if you retire, unless the creditor has evidence that you are unable or unwilling to pay. Know why a credit application is rejected舒the creditor must give you the specific reasons or tell you where and how you can get a copy of the credit report it used to determine its rejection, if you ask within 60 days.

What happens to your coverage if the dealer or administrator goes out of business? Do you need prior authorization for repair work? Are there any situations when coverage can be denied? You may not have protection from common wear and tear, or if you fail to follow recommendations for routine maintenance. PRODUCT SAFETY RECALLS Before you buy a used vehicle or other secondhand product, check to be sure it hasn舗t been recalled for safety reasons. Some recalls ban the sale of an item, while others ask consumers to return the item for replacement or repair.

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2011 Consumer Action Handbook by Martha Johnson, GSA Administrator

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