Did You Know?
Financial Health and Cleaning Up Credit begins with having knowledge. This includes knowing your rights and responsibilities as a consumer and debtor.
Your Rights
You have a right to dispute the loan
You have a right to ask them not to call you at
Creditors cannot advise a third party about your loan
Creditors cannot talk with your employer about your loan
Creditors cannot place loan account information on a post card, or on the outside of an envelope
Creditors cannot threaten legal action (unless)
Creditors cannot threaten repossession (unless)
Creditors can specifically document how you pay your debts
Their Rights
Proceed with garn in garnishment states
Indicate your payment history on your credit report
Not to settle
Collect late fees, and interest
Collect automatic draft fees
Not to negotiate terms; be nice, they have power
Sell the paper off to another collection company
Not to give new loans later
Learn more by attending one of our FREE workshops or talk to your HR department or Church Education Coordinator about hosting one of our financial seminars.
Your Rights
You have a right to dispute the loan
You have a right to ask them not to call you at
- Home
- Work
Creditors cannot advise a third party about your loan
Creditors cannot talk with your employer about your loan
Creditors cannot place loan account information on a post card, or on the outside of an envelope
Creditors cannot threaten legal action (unless)
Creditors cannot threaten repossession (unless)
Creditors can specifically document how you pay your debts
Their Rights
Proceed with garn in garnishment states
Indicate your payment history on your credit report
Not to settle
Collect late fees, and interest
Collect automatic draft fees
Not to negotiate terms; be nice, they have power
Sell the paper off to another collection company
Not to give new loans later
Learn more by attending one of our FREE workshops or talk to your HR department or Church Education Coordinator about hosting one of our financial seminars.