Credit / Debt

• Agencies
  • Federal Reserve Board
    Offers publications on choosing a credit card, credit protection laws, home equity and more.
  • Federal Trade Commission
    Credit & Loans topics include consumer information about credit cards & consumer loans, credit reports, credit debt, mortgages, and privacy. Information for businesses about business credit and offering consumer credit; includes reports aimed toward businesses.
  • WI Dept. of Financial Institutions
    • Credit Topics of Interest include: choosing a credit card & applying for credit, secured credit cards, skip payment offers, credit denial, credit reports, disputing a debt, collection practices, divorce & credit, credit counseling services, credit repair scams, payday loans, rent-to-own, etc.
• Bills
  • Coping with Medical Bills & Debt (WI Dept. of Health Services)
  • Fair Credit Billing Act (Federal Trade Commission)
• Consumer Credit (American Bar Association)
  Includes: choosing a credit card; how to apply for credit; consumer protection; credit insurance; credit records; how to correct credit mistakes; debt collection & the law; credit counseling; where to resolve disputes & get more information.
• Consumer Credit (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to other sources of information.
• Credit & Credit Cards FAQ (Lawyers.com)
• Credit Repair for Bad Credit (Nolo.com)
  Learn how to make a budget, repay debts including student loans & deal with creditors. Explains different types of credit & debit cards, shopping for credit cards, your liability for lost cards, how to deal with errors on your statement, etc.
• Credit Reports
  • AnnualCreditReport.com
    Request a free annual credit report online, by phone or by mail.  Persons are entitled to one free credit file disclosure from each of the credit reporting companies (Equifax, Experian and TransUnion) ever 12 months.
  • How Private is My Credit Report? (Privacy Rights Clearinghouse)
  • Your Access to Free Credit Reports (Federal Trade Commission)
  • Your Credit Report (Univ. of Wisconsin Extension)
• Debt Questions and Answers (State Bar of WI)
  Includes contract cancellation, stop payment on checks, collection agency & methods, collection from ex-spouse, credit cards & reports.
• Debtor & Creditor (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to state statutes.
• Forms
  • Credit & Collections Forms (AllLaw.com)
  • Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
    Use to file a complaint or issue an inquiry. For questions or complaints from Wisconsin residents OR for complaints against companies located in Wisconsin.
  • Online Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
    For Wisconsin residents only
• Privacy
  • Privacy Choices for Your Personal Financial Information (Federal Reserve Board)

The Law (Additional statutes, regulations & opinions may apply to your specific situation.)

• WI Statutes: ch. 128 "Creditors' Actions"
• WI Statutes: ch. 421-429 "Wisconsin Consumer Act"
• WI Admin. Code: DFI-Bkg 76 "Sales Finance Companies"
• WI Admin. Code:  DFI-WCA 1 "Wisconsin Consumer Act"
• U.S. Code: 15 USC 1601-1693 "Consumer Credit Protection"
• Federal Laws
  • Rules & Acts (Federal Trade Commission)
    Full text of federal laws such as the Equal Credit Opportunity Act, Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, the Truth In Lending Act, etc.

Search for more statutes, regulations & opinions.

Last Updated: February 1, 2010 | Up to Top