Some of the following Consumer Action publications are available in bulk for non-profit or government agencies to distribute for educational purposes. Further info can be found on the How To Order Publications page.

Library: Chinese | The Fair Debt Collection Practices Act (Chinese) . 這本簡明的公平追討債務法案(FDCPA)小冊子讓消費者明白追債公司必須依照法律規定來追討債務,法律允許他們採取哪些行動,以及法律不允許他們採取哪些行動。該手冊還提供了關於如何阻止追債公司不斷聯繫你的資訊,如果追債公司違反公平追討債務法案(FDCPA)時你可以怎麼做,以及你可以從哪裡得到更多的資訊和個人援助。This concise guide to the Fair Debt Collection Practices Act (FDCPA) makes consumers aware of what collectors must do under the law, what they are allowed to do, and what they are prohibited from doing. It also provides information about getting a collector to stop contacting you, what your options are if a collector violates the FDCPA and where to get more information or personal assistance. Category: Consumer Rights Credit Debt Collection Money Management on Sep 20, 2016

Library: Chinese | Debtors’ Rights (Chinese) Protecting yourself from debt collection lawsuits. 本指南旨在幫助消費者了解:如何與討債人溝通;當面對追債訴訟時,消費者有什麼權益;在哪裡可以找到法律資料和諮詢意見;應對訴訟的一般過程;如果消費者輸掉官司,他們會有什麼權益;以及如何向收債人提出投訴。This 16-page guide helps consumers who owe money understand how to avoid a debt collection lawsuit, what the legal process is if they can’t avoid being sued, their rights if they lose the suit and how to file a complaint against a debt collector. Category: Consumer Rights Credit Debt Collection Money Management on May 19, 2016

Library: Chinese | Improve Your Credit -  Put Bad Credit Behind You (Chinese) . 這本簡單易讀的手冊說明良好信用的重要性、信貸申請如不獲批准時的個人權利、如何查核個人信用報告﹑如果信用報告有錯誤時如何爭議﹐以及如何開始建立良好信用。
An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit. Category: Credit Credit Fraud Credit Reports Credit Scores on Aug 28, 2012

Library: Chinese | Credit Reports and Credit Scores (Chinese) . 你的信用記錄在促成你的重要信貸目標中具有很深的影響力。你應該知道自己有哪些相關資料曾被人搜集,你應如何解說和加以改善,以及你應有的權益。Your credit history has a significant impact on your ability to achieve important financial goals. Learn what information is collected about you, how to interpret and improve it, and what your rights are. Category: Credit Credit Cards Credit Reports Mortgages on Feb 15, 2011

Library: Chinese | Consumer Reports and Specialty Reports (Chinese) . 很多公司利用與信用相關的報告來推測你成為一位好員工,患病或申請保險理賠的機率有多高。你有權利知道其中到底收集了些甚麼資料,和針對不正確的內容提出爭議。Companies use consumer and specialty reports, much like credit reports, to determine such things as how likely you are to be a good employee, become ill or file an insurance claim. You have the right to see what is collected about you and to dispute inaccurate information. Category: Credit Credit Reports Credit Scores Mortgages on Feb 15, 2011

Library: Chinese | Good Credit - Build it and keep it (Chinese) . 本文說明何謂信用記錄﹑什麼是信用報告﹑如何得到個人信用報告、如何建立良好信用﹐以及在發生困難時向哪一個機構投訴。
A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem. Category: Credit Credit Fraud Credit Reports Credit Scores on May 14, 2010

Library: Chinese | Staying on Track With Credit (Chinese) How to use credit wisely. 對那些瞭解信貸的使用代價跟優點,以及懂得如何明智地使用信貸的消費者來說,信貸可以成為一種有用的財務工具。這本手冊解釋了「無限次」,又稱為循還式信貸,包括信用卡,房屋淨值信貸(HELOC: Home Equity Line of Credit)和支票透支信用額(Overdraft Lines of Credit),同時還討論使用信貸的好處及壞處。該手冊還包括如何避免使用高收費信貸的技巧。
Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid. Category: Credit Credit Reports Credit Scores Money Management on Jul 09, 2009

Library: Chinese | Freeze Your Credit File (Chinese) Leave ID Thieves Out in the Cold. “安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案,而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。
A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze. Category: Credit Credit Reports Fraud/Scams Privacy Rights on Jul 06, 2008

Library: Chinese | Understanding Your Credit Score (Chinese) . 個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。
Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it. Category: Credit on Feb 26, 2008

Library: Chinese | California Car Buyer’s Bill of Rights (Chinese) . 由2006年7月1日開始, 有一項重大的新聞是與加州購車者有關的。這項購車者權利法案將改變加州成千上萬的汽車買賣方式。
California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California. Category: Automobiles Credit Credit Scores on Jun 16, 2006

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 | 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 | California Immigrants and Credit (Chinese) . 本文專門向加州移民解說有關信貸問題: 申請資格﹑如何正確使用﹑如何避免發生問題等。而且針對貸款公司﹑信用記錄﹑信用報告機構﹑信用詐騙及信貸濫用等均有討論。內容並包括簡短的信貸專有名詞以及社區資源名單以便提供更多資訊。
A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information. Category: Credit on Apr 01, 1993

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