CLUE and You: How Insurers Size You Up


Fact Sheet 26CLUE and You:
How Insurers Size You Up

Debt Collection Practices: When Hardball Tactics Go Too Far


Fact Sheet 27Debt Collection Practices:
When Hardball Tactics Go Too Far

Dealing with a debt collector can be one of life's most stressful experiences. Harassing calls, threats, and use of obscene language can drive you to the edge. What's worse, a collector may embarrass you by contacting your employer, family or neighbors. You may even be hounded to pay a debt that is not rightfully yours. Sure, collection agencies have a job to do. Even so, there are limits on how far a debt collector can go.

This guide explains the federal Fair Debt Collection Practices Act (FDCPA) and other laws that apply to debt collectors. We provide information about how to stop calls from collectors and how to correspond with them about your account or to dispute a collection action. We also explain your right to privacy, and how debt collection efforts may affect your job, your credit report, even information in your medical files.

State Debt Collection Laws and Publications


Fact Sheet 27 AddendumState Debt Collection Laws and Publications

Frequently Asked Questions about Debt Collection


Fact Sheet 27aFrequently Asked Questions about Debt Collection

A debt collector keeps calling for someone I do not know - how can I make them stop calling? Can a debt collector reveal information about my debt to my family, friends or boss? I have bad credit and am considering paying a company to fix it - will this work?

Find answers to these and many more questions in our Frequently Asked Questions about Debt Collections. Find out what to do about debts older than 7 years, what to do if a debt collector violates your rights and how to deal with a debt collector if you are the victim of identity theft. Our guide covers the questions we hear most frequently from consumers dealing with collection agenciesrs.

Online Privacy for Nonprofits


Fact Sheet 28Online Privacy for Nonprofits

Privacy in Education: Guide for Parents and Adult-Age Students


Fact Sheet 29Privacy in Education:
Guide for Parents and Adult-Age Students

As soon as your child enters preschool, information is collected about him or her. The body of information grows throughout the child's academic career.

School records contain highly sensitive information, even information about the family. The contents of student files are likely to have an impact on the overall educational experience of students. That is why it is wise for parents and adult-age students to be informed about laws and policies that govern student information.

Privacy abuses can range from grades bandied about in hallways to the nonconsensual exposure of student information and photos on the Internet. In today’s climate of heightened security, it is more important than ever for parents and adult-age students to be vigilant about who has access to education records.

Check 21: Paperless Banking


Fact Sheet 30Check 21:
Paperless Banking

Customer Identification Programs for Financial Transactions


Fact Sheet 31Customer Identification Programs for Financial Transactions

If you opened a new bank or other financial account recently, you may have noticed you had to supply a lot more personal information than in the past. You may have assumed you had to prove you are you as a guard against the growing crime of identity theft. Not so.

Customer identification programs (CIPs) are now required by federal law to prevent financing of terrorist operations and money laundering. The requirements go beyond just verifying your identity. Banks must now keep records of identifying information and check customer names against terrorist lists. This applies to anyone who opens a new account.

This guide is intended to make you aware of new requirements for opening a financial account as well as the kinds of companies that must comply with the CIP Rules. We also provide some suggestions on how you can prepare yourself and become part of the process.

Paper or Plastic: What Have You Got to Lose?


Fact Sheet 32Paper or Plastic:
What Have You Got to Lose?

Once you decide to buy something, you then must determine how to pay for it. Do you hand over cash? Write a check? Pay with a credit card? Or use a debit card and have the payment automatically deducted from your bank account?

If you’re like most people, you use a combination of paper, plastic and electronic payments. Pros and cons exist to whichever payment method you choose. Many of us decide quickly about the method of payment and spend too little time thinking about the potential costs or consumer protections of each method.

But you should be aware that thieves are inventing new ways to steal consumers’ account information. For example, some crooks have learned to use “skimming” devices to steal credit card or debit card information off card-swipe machines. This guide seeks to inform you about your rights as well as outline the potential risks and benefits of different payment methods.

Identity Theft Monitoring Services


Fact Sheet 33Identity Theft Monitoring Services

Hardly a day goes by without hearing about someone becoming a victim of identity theft or learning about another data breach. The exposure of Social Security numbers (SSNs) and other personal information can increase consumers’ susceptibility to identity theft. Privacy Rights Clearinghouse’s “Chronology of Data Breaches” documents over 867 million records that have been compromised since January 2005. www.privacyrights.org/ar/ChronDataBreaches.htm

Faced with these alarming statistics, many consumers have turned to identity theft or credit monitoring services for protection. Identity theft monitoring services may sound like a good way to protect your good credit and your good name. However, many of these services are overpriced and are not worth the money that they cost.

Showing 61-70 of 78 results
Syndicate content


X

Sign In!

Loading