Library: Chinese | Poor Credit means Higher Interest Rates - How to avoid bad loans (Chinese) . 此手冊內容是關於信用不佳者所能申請得到的“次級”貸款。當消費者信用太差時，他們的房屋、汽車或信用卡等貸款利率都會比一般的公平價目高，這些人很容易成為所謂掠奪性不良借貸交易的受害者。本文涵蓋合法貸款案例、不良借貸預警訊號、如何避免成為受害者、書面投訴方法及相關諮詢協助資源等。

This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance. Category: Credit on Apr 01, 2004

Library: Chinese | Get a Car Loan (Chinese) That's In Your Best Interest. 如果你想貸款買車，不論買的是新車或二手車，即使你的信用記錄不良，也有各類貸款可供選擇。本手冊對各種信貸公司有詳細說明，同時教你有關如何貨比三家挑選最佳交易以及如何提出適當問題等方面之要訣。

If you are seeking financing for a new or used car, you have many options for financing even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rates on loans available to you. Category: Cars on Aug 26, 2003

Library: Chinese | Telemarketers : Do Not Call (Chinese) A new way to limit unwanted sales calls.

你是否已經厭倦了那些不請自來的推銷電話？目前政府有新法子協助終止推銷電話。你可免費加入全國謝絕來電登記名單，即可限制打到家用和手機的推銷電話，有效期為五年。手冊內容詳列簡易個人登記方法、登記後之權益以及如何處理電話推銷。

Are you tired of unwanted telemarketing calls? Now there is a new government tool to help stop unwanted calls. The National Do Not Call Registry is a free list you can join to limit calls to your home and cell phone for five years. "Telemarketers: Do Not Call!" explains how easy it is to put your name on the registry, what you should expect when you register and how to deal with unwanted telemarketing calls.

Library: Chinese | Don’t Fall for the Wrong Call (Chinese) Protect yourself against telemarketing fraud.

電話推銷詐騙 ﹣利用電話行騙 ﹣美國消費者一年被詐騙的金額高達四百億。 大家萬勿陷入此纇電話騙局，本手冊長達八頁，針對一般利用電話行騙的手法或電話詐騙慈善捐款、如何接聽推銷電話、騙局預警、個人如何防範電話推銷、個人法律保障以及電話推銷員觸犯個人“謝絕來電“權益等提供深入的指引。手冊內容並包括投訴機構及相關協助資源。

Telemarketing fraud — using the phone to swindle and cheat — robs U.S. consumers of about $40 billion a year. Don't fall for the wrong call, an 8-page, in-depth guide provides information on common tricks and charitable donation scams used by telemarketers, how to answer sales calls, warning signs of fraud, how to protect yourself from unwanted calls, your rights under the law and how you can sue telemarketers who do not honor your wishes not to be called. The guide also contains a listing of complaint handling agencies and other helpful resources.

Library: Chinese | Protect Yourself From Identity Theft (Chinese) It's Your Good Name!. 本文說明何謂身份竊盜、如何防範以及身份盜用受害者如何採取法律措施。

A factsheet explaining what identity theft is, how to prevent it, and what to do if you are a victim of identity theft. Category: Privacy Rights Fraud/Scams on Dec 09, 2002

Library: Chinese | Phone Fraud (Chinese) We All Pay. 本文內容說明何謂電話詐騙以及個人如何成為受害者。並且提供個人自保之道以及如何投訴電話詐騙事件。

An illustrated fact sheet that describes what phone fraud is and how you can become a victim. Explains how to protect yourself and how to complain about phone fraud. Category: Fraud/Scams Telephone on Apr 01, 1997

Library: Chinese | Collection Agency (Chinese) 消費者債務系列. 本文將說明消費者在與追債公司打交道時的權利。詳解何為不法的追債脅迫，回答你是否不還債就得坐牢之類的問題，並提供被追債公司恐嚇時的應付之道。

A fact sheet that explains what your rights are when dealing with a collection agency. It describes collection abuse, and answers such questions as whether you can be jailed for not paying a debt and what to do if you are being harassed by a collection agency. Category: Money Management on Apr 01, 1996

Library: Chinese | Giving Yourself Some Credit (Chinese) . 本文內容詳述何謂信貸﹑如何申請及使用等。同時說明信貸評級﹑信用報告機構﹐以及消費者定期查核個人信用報告是否正確無誤的重要性。也有解說何謂公平信貸法 (Equal Credit Opportunity Act).

An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act. Category: Credit on Apr 02, 1993

Library: Chinese | Surviving and Controlling Debt (Chinese) Know What You Want. 本文內容詳細探討處理債務的重要性以免日後成為一大麻煩。並說明負債的種種危險訊號以及如何減輕債務。同時針對追債公司﹑債務諮商及破產等亦有解說。

An illustrated fact sheet that discusses the importance of managing debt so that it does not become a problem. Explains debt danger signals and how to reduce debt. Also explains collection agencies, debt counseling, and bankruptcy. Category: Money Management Banking on Apr 02, 1993

Library: Chinese | Banking Basics (Chinese) Checking Account Check List. 本文內容詳述如何開立支票戶口。解說各種不同戶口及其收費﹑支票使用流程﹑自動存款和轉帳﹐以及銀行自動櫃員機(ATM) 提款卡/轉帳卡等等。

An illustrated fact sheet that explains how to open a checking account. Explains different kinds of accounts and their fees, check processing, automatic deposit and bill paying, and ATM/debit cards. Category: Money Management Banking on Apr 02, 1993