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Credit / Debt
The Credit Card Act of 2009, which took effect February 22, 2010, aims to reform the credit card industry and halt abusive credit card practices. It makes changes to the credit card provisions of the Truth-in-Lending Act, and amendments to the Fair Credit Reporting Act and the Electronic Fund Transfer Act. The new law requires credit card companies to give 45 days notice before making significant changes to the terms of the card, changing fees associated with the card, or increasing the interest rate. The new law also bans retroactive interest rate hikes on existing balances. For an explanation of the new Credit Card Act protections read, What You Need to Know: New Credit Card Rules from the Federal Reserve Board.
Following is a selected list of State Law Library resources on the topics of consumer credit and debt collection that may be useful for doing further research. Wisconsin-specific resources have a “W” in front of the title. For assistance in accessing these or other materials, please contact our Reference Desk.
Books
Credit Card Act of 2009: Credit Card Accountability Responsibility and Disclosure Act of 2009, James H. Pannabecker
Sheshunoff, 2009. 44 pages
KF1040.C541 S6 2009
Collection Actions: Defending Consumers and Their Assets, by Jonathan Sheldon, Carolyn Carter, Chi Chi Wu
National Consumer Law Center, 2008 with 2009 updates. 486 pages.
KF1024 .S54 2008
Collecting Debts: Tips and Strategies to Legally Get What You're Owed, by David A. Ambrosh et al.
National Business Institute, 2007. 249 pages
KFW2567.C6 C643 2007
Collection Law from Start to Finish, by Matthew M. Beier
National Business Institute, 2008. 327 pages.
KFW2567.C6 C642 2008
Collection Law Tips and Strategies, by J. David Krekeler et al.
National Business Institute, 2009. 283 pages
KFW2567.C6 C644 2009
Consumer Credit Compliance Manual, by John r. Fonseca
Thomson/West, 1984 and updated through 2009. 1,196 pages
KF1040.F6 C6 1984
Consumer Law: Sales Practices and Credit Regulation, by Howard J. Alperin
Thomson/West, 1986 and updated through 2009/2010. 2 volumes
KF1040.A743 1986
Credit Discrimination, by Alys Cohen
National Consumer Law Center, 2009. 518 pages
KF1040.C74 2009
Credit Repair, by Robin Leonard and John Lamb
Nolo, 2009. 268 pages
KF1040.Z9 L46 2009 (available at MLRC)
Fair Credit Reporting, by Chi Chi Wu, Elizabeth De Armond
National Consumer Law Center, 2006 and updated through 2009. 928 pages
KF1040.W8 2006
Fair Debt Collection, by Robert J. Hobbs
National Consumer Law Center, 2008 and updated through 2009. 1,134 pages
KF1024.H63 2008
Guide to Surviving Debt
National Consumer Law Center, 2002. 421 pages
KF1501.Z9 G8 2002
Handling Consumer Credit Cases, by John R. Fonseca
Thomson/West, 1986 and updated through 2010. 2 volumes
KF1040.F6 H3 1986
Law of Electronic Fund Transfer Systems: Legal and Strategic Planning, by Donald L. Baker, Roland E. Brandel
Warren, Gorham & Lamont, 1996 and updated through 2009. 2 volumes
KF1030.E4 B35 1996
Solve Your Money Troubles: Debt, Credit & Bankruptcy, by Robin Leonard & Margaret Reiter
Nolo, 2009. 520 pages
KF1501.Z9 L46 2009 (available at MLRC)
Truth in Lending, by Elizabeth Renuart
National Consumer law Center, 2007 and updated through 2009. 1,136 pages
KF1040.R4 2007
Truth In-Lending Manual, by Ralph C. Clontz, Jr.
Warren, Gorham & Lamont, 1996 and updated through 2009. 1 volume
KF1040.C54 T7 1996
Wisconsin Collection Law, by Robert A. Pasch
Thomson/West, updated through 2009. Volumes of the Wisconsin Practice series
KFW2930.W682
Internet
Visit the Wisconsin State Law Library's Legal Topics page on Credit/Debt for a growing list of links to Internet resources. See also our related topics pages on Debt Collection, Bankruptcy, and Banking Law.
