Library: Vietnamese | Micro Business: Preparing for success (Vietnamese) .

Starting a very small—or micro—business can be the key to long-term professional and financial success. But since many businesses do not make it past the first few years, becoming an entrepreneur is not a decision to make lightly. This guide explains the process of planning and launching a micro business, from estimating costs/earnings and finding funding to identifying legal and professional needs (insurance, bookkeeping, business advice, etc.) and doing business on the internet.

Library: Vietnamese | Personal bankruptcy: Your financial fresh start (Vietnamese) .

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

Library: Vietnamese | Get a Car Loan (Vietnamese) That’s in your best interest.

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.

Library: Vietnamese | The Fair Debt Collection Practices Act (Vietnamese) How it restricts collectors and protects consumers .

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.

Library: Vietnamese | Money Management 1-2-3: TWO: Achieving Financial Goals (Vietnamese) .

The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part two, Achieving Financial Goals, addresses updating your budget, accumulating a nest egg and protecting your assets. Topics include budgeting and debt management, saving and investing, homeownership and insurance.

Library: Vietnamese | Money Management 1-2-3: ONE: Getting a Strong Start (Vietnamese) .

The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part one, Getting a Strong Start, addresses how to manage your income, use credit wisely and live within your means. Topics include understanding your pay stub, filing your tax returns, creating a budget, setting up bank accounts, establishing and building good credit and managing student loans.

Library: Vietnamese | Debtors’ Rights (Vietnamese) Protecting yourself from debt collection lawsuits.

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.

Library: Vietnamese | Improve Your Credit -  Put Bad Credit Behind You (Vietnamese) .

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.

Library: Vietnamese | Prepaid Cards (Vietnamese) An alternative to credit and debit cards.

Learn how reloadable prepaid cards are different from other forms of “plastic,” how to select the best prepaid card for your needs, how to reduce card costs and how to manage your card account wisely.

Library: Vietnamese | Credit Reports and Credit Scores (Vietnamese) .

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.

Library: Vietnamese | Credit Cards - What You Need To Know (Vietnamese) .

Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that’s right for them; understand credit card terms and conditions, and avoid fees and penalty rates.

Library: Vietnamese | Good Credit - Build it and keep it (Vietnamese) .

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.

Library: Vietnamese | Families and Credit Cards (Vietnamese) .

This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they’re traveling and helping young people understand the importance of good credit.

Library: Vietnamese | Staying on Track With Credit (Vietnamese) .

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.

Library: Vietnamese | Recognizing Credit Card Fraud (Vietnamese) .

Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

Library: Vietnamese | Understanding Your Credit Score (Vietnamese) .

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.

Library: Vietnamese | How to send money home (Vietnamese) Tips for transferring money overseas.

Many immigrants send some of their earnings to relatives and friends in their home countries. There are several ways to transfer money overseas.

Library: Vietnamese | California Car Buyer’s Bill of Rights (Vietnamese) .

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.

Library: Vietnamese | Poor Credit means Higher Interest Rates - How to avoid bad loans (Vietnamese) .

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.

Library: Vietnamese | Giving Yourself Some Credit (Vietnamese) .

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.

Library: Vietnamese | California Immigrants and Credit (Vietnamese) .

Bài hướng dẫn giải thích tín dụng cho người di dân California: phương cách đạt tiêu chuẩn để lấy tín dụng, cách sử dụng đúng đằn, và phương cách tránh vấn đề xảy ra với tín dụng. Bài viết giải thích các cơ quan cho tín dụng, lý lịch tín dụng, cơ quan báo cáo tín dụng, mánh lới lường gạt và lạm dụng. Bài viết cũng đính kèm một bảng chú giải danh từ tín dụng và các nguồn hướng dẫn trong cộng đồng.

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.