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 | Personal Bankruptcy: Your financial fresh start (Chinese) . 消費者在承受債務重擔時,申報破產可以再重新規劃個人財務。但是在做這個決定以前,你應該先盡量瞭解關於破產的處理過程,以及個人可能會受到的影響。這本指南對於兩種不同的個人破產型式、申報人的必備條件、相關債務及資產會產生哪些變化、有哪些可以考慮的替代方法、一般會進行的法律程序,以及何處可獲取協助資源及更多訊息等等,均有詳盡說明。
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. Category: Bankruptcy Credit Consumer Rights Debt Collection Housing Mortgages on Feb 16, 2018

Library: Chinese | Get Credit for Your Hard Work (2017 Tax Year) (Chinese) Low income working taxpayers may qualify for the Federal EITC. 工薪退稅優惠(EITC) 有助於低收入工作納稅人及家庭在申報聯邦所得稅時得到更多的退稅。本手冊包含2017年稅務年度的低收入者工薪退稅優惠(EITC)指標。
The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms.This publication contains EITC guidelines for the 2017 tax year. Category: Money Management Taxes on Feb 09, 2018

Library: Chinese | Tax basics for earners in the ‘sharing economy’ (Chinese) . “經濟共榮”可以讓你利用業餘時間來賺一點外快,它甚至也可能會成為你的主要收入來源。不過這兩類收入都可能對你的納稅情況造成影響。這本刊物與稅務建議無關,但可以協助你瞭解如何正確申報收入及開支、如何善加利用你應得的減稅優惠、如何避免在申報退稅時有任何意外驚訝發生,以及如何獲得更多相關資訊及協助。
The sharing economy might enable you to put a little extra cash in your pockets in your spare time, or it could be your primary source of income. Either way, earning money will have an impact on your tax situation. This publication, while not tax advice, will help you understand how to report your income and expenses accurately, why you should take advantage of all the deductions you’re entitled to, how to avoid an unpleasant surprise when you file your tax return, and where to get more information and assistance. Category: Money Management Taxes on Oct 20, 2017

Library: Chinese | Insuring yourself in the ‘sharing economy’ (Chinese) . “經濟共榮”可以提供你新的賺錢方式,但如同任何商業公司或自雇工作一樣,你還是需要考慮保險問題。這本刊物對於各種型式的經濟“共榮”所可能產生的風險有詳盡說明,列舉了各營業平台通常提供參與者哪些保障,你的個人保險是否缺乏某方面的保障,以及有哪些保險選項可幫你獲得全面保障,最後文內還詳列有其它相關資訊。 The "sharing economy" can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of "sharing," what protection is typically available from the "platforms" that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information. Category: Insurance on Oct 18, 2017

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 Reports/Scores ID Theft on Oct 10, 2017

Library: Chinese | How to Complain (Chinese) . 消費者行動於近日已將多年來最受歡迎的「 如何投訴 」消費者教育指南全面更新。這本內容豐富的免費手冊是專門編製用來協助消費者提出有效的投訴,以及日後得到實質效果。 「 如何投訴 」的各項建議包括:消費者應怎樣連繫各種行業來提出投訴;如何藉由客戶服務管道或公司主管部門來加強投訴;如何使用電郵或信件提出投訴;以及如何將個人投訴存檔留證等等。Consumer Action has updated its perennial favorite guide, How to Complain. The free and comprehensive booklet is designed to help you complain effectively and get results. How to Complain includes advice on how to approach businesses with a complaint; escalating a complaint through customer service or a company’s executive offices; writing emails and letters about your complaint; and documenting your complaint. Category: Consumer Rights on Sep 25, 2017

Library: Chinese | Time for an insurance checkup (Chinese) . 個人應該保持適當足夠的保險,其意義在於你每年都需要重新評估自己的保險涵蓋範圍,同時如果你的生活中發生特殊狀況時,你應如何調整個人保險去應對。這本查核個人保險的刊物詳述對於定期查核個人保險條款的重要性,也列舉各項會造成個人保險涵蓋範圍改變的生活特殊狀況。同時內容也有你應如何妥善處理個人保險的相關提示及查核工具,以及各項網上資源鏈接以供消費者查詢。 Staying adequately insured means reassessing your coverage each year and adjusting it in response to specific life events. This Insurance Checkup fact sheet explains why it’s important to revisit your insurance policies regularly, lists specific life events that typically warrant a change in coverage, provides tips and tools for managing your insurance and offers links to resources where you can learn more. Category: Auto Lending/Insurance Housing Insurance on Aug 16, 2017

Library: Chinese | California’s Lemon Law (Chinese) Protection for new and used car buyers. 這本有關新車和二手車買主的加州保護法手冊將詳述州立檸檬法如何運作,涵蓋哪些車輛,以及大多數汽車經銷商採用的仲裁方案,以及加州的消費者應如何索償。
This fact sheet about California’s protections for new and used car buyers explains how the state Lemon Law works, which vehicles are covered, the arbitration programs used by most car dealers and how consumers can pursue a claim in California. Category: Auto Lending/Insurance Consumer Rights on Jun 09, 2017

Library: Chinese | Get a car loan (Chinese) That’s in your best interest. 如果你正在尋求貸款購買新車或二手車,即使你的信用記錄很差,你還是可以有很多選擇。然而,逾期付款和其它信用問題則會令貸款公司把你列為高風險客戶,並因此提高你的貸款利率。每家貸款公司的利率都有所不同,因此要貨比三家才能找到最划算的貸款。 If you are seeking financing for a new or used car, you could have many options 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 rate on the loans available to you. There are differences between lenders—so shop around to find the best deal. Category: Auto Lending/Insurance Credit on May 23, 2017

Library: Chinese | California’s Low Cost Automobile Insurance Program (Chinese) . 加州政府設立本保險計劃,為符合收入標準﹑行車記錄好的駕駛人提供低價的車輛責任保險。承保單由在加州註冊的保險公司開出。加州法律規定要設立一項加州低價車輛保險計劃,以滿足其財務責任法律的有關規定。 The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws. Category: Auto Lending/Insurance Insurance on Apr 24, 2017

Library: Chinese | A guide to finding the right job training school (Chinese) . 如果一間職業學校及其課程具備聲譽而且收費合理,就讀這間學校對於你的未來會成為很有價值的投資。這本指南是專門編輯印製,以協助任何人在考慮報讀就業培訓課程或是職業學校時,能做出明理的選擇,避免積欠過多或毫無保證的學生貸款債務;當一旦不幸成為牟利學校相關詐騙的受害者時,也知道應去何處尋求協助。Job training can be a valuable investment in your future—if the school or program is reputable and fairly priced. This guide is designed to help anyone considering a job training program or vocational school make an informed choice, avoid excessive or unwarranted student loan debt, and know where to turn if they believe they are a victim of for-profit school fraud. Category: Fraud/Scams Military/Veterans Student Loans on Mar 29, 2017

Library: Chinese | Getting up to speed (Chinese) . 如今在實質上,家用高速互聯網服務(“broadband”寬頻網絡),已經由個人求職到上網做家庭作業等等,每件事都需靠它來達成了!不過目前還有許多低收入家庭尚未能充分利用寬頻網絡服務,因為對他們而言,其費用是無法負擔的。這份教育手冊對於寬頻網絡服務有詳盡說明,包括它的重要性,好處,可用性和定價。本文還會介紹幾項幫助低收入家庭獲得高速互聯網服務,有優惠收費的特別計劃。Today, high-speed home internet service (broadband) is virtually a necessity for everything from finding a job to doing homework. However, many low-income households are at a disadvantage because broadband has been unaffordable for them. This fact sheet explains more about broadband, including its importance, benefits, availability and pricing. It also presents special programs that offer low-income households fast home internet service at a discount.  Category: Internet Telecom on Nov 14, 2016

Library: Chinese | Money Management 1-2-3: THREE: Planning a Secure Future (Chinese) . Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第三部份:規劃安定的未來,為失業預做準備,積存退休金,以及保障已儲存的積蓄。主題內容包括:提升個人投資及房產淨值,擁有足夠的保險,善加處理醫療開支,基本的遺產規劃,以及祖父母輩如需養育下一代的準備工作。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 three, Planning a Secure Future, focuses on leaving the workforce, funding your retirement and protecting what you've accumulated. Topics include tapping your investments and home equity, staying adequately insured, managing medical expenses, the basics of estate planning and, for some grandparents, raising a second family. Category: Insurance Investing Medical/Healthcare Mortgages Money Management on Nov 04, 2016

Library: Chinese | Watch out! Online video and your privacy (Chinese) . 如今的消費者可隨意選擇要怎樣看視頻或在何時何處看視頻,但同時他們也要面對個人隱私方面的新風險。本手冊提醒消費者留意由視頻下載和視頻分享所帶來的隱私問題,和可以採取什麼措施來保護自己。While consumers now have many more options for how, where and when they watch video, they also face new risks to their personal privacy. This publication makes viewers aware of the privacy issues raised by video streaming and video sharing technology as well as what they can do to protect themselves. Category: Internet Privacy Rights on Oct 05, 2016

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: Bankruptcy Credit Debt Collection on Sep 20, 2016

Library: Chinese | What’s not to ‘Like’? (Chinese) Protecting your privacy on social media . 在網上分享是一種非常流行的消遣方式。本文解釋了在社交媒體中過度分享個人資料的潛在風險,並提供了在參與社交網絡時可選用的一些技巧和工具,以便讓你安全上網的同時,能夠保護你的隱私。Online sharing is a hugely popular pastime. This publication presents the potential risks of oversharing on social media and provides specific tips and tools for participating in social networks while also protecting your privacy and staying safe online. Category: Internet Privacy Rights on Sep 14, 2016

Library: Chinese | Money Management 1-2-3: TWO: Achieving Financial Goals (Chinese) . “Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第二部份:完成財務規劃目標,列明如何更新個人預算表,積存老本,以及保護個人資產。主題內容包括:如何處理預算及債務,申報所得稅需知,關於儲蓄和投資,以及成為屋主及購買相關保險等等。 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. Category: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Aug 24, 2016

Library: Chinese | Money Management 1-2-3: ONE: Getting a Strong Start (Chinese) . "Money Management 1-2-3: 你一生都應精明理財" ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第一部份:慎重開始,詳列如何打理個人收入,明智使用信貸,與個人財富長久共存。主題內容包括:瞭解個人薪資單內容,編列預算,開立銀行帳戶,建立良好信貸紀錄,以及妥善處理個人學生貸款。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. Category: Banking Credit Credit Reports/Scores Money Management Student Loans Taxes on Jul 29, 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: Bankruptcy Credit Debt Collection on May 19, 2016

Library: Chinese | A consumer’s guide to choosing a prepaid card (Chinese) . 一張收費便宜,擁有理想的功能以及提供強而有力的消費者保護措施的預付卡,對於消費者來說是一個很好的選擇。這本指南將幫助你學習如何比較各種預付卡,並且選擇一張最符合你需求的預付卡。 A prepaid card that charges low fees, comes with desirable features and offers strong consumer protections can be a good choice for many consumers. This publication will help you learn how to compare your options and choose the best prepaid card for your needs. Category: Banking Money Management Prepaid Cards on Mar 22, 2016

Library: Chinese | Put a Lock on It - Protecting your online privacy (Chinese) . 本文提供互聯網用戶相關重要資訊,以確保他們及其家人在利用互聯網的種種優點時,可以安全無慮。各項主題內容包括如何安全鎖定個人網絡帳號及手機應用程式、使用電腦及行動通訊器材購物和理財時各項安全要點、使用社交網站時如何保留個人隱私,以及怎樣避免不受歡迎的內容及通訊資料。     This fact sheet gives Internet users the knowledge to keep themselves and their families safe while taking advantage of the many benefits of being online. Topics include securing your online accounts and mobile apps, shopping and banking safely on a computer or mobile device, preserving your privacy while using social media, and avoiding unwelcome content and communications. Category: Internet Privacy Rights Technology on Jan 29, 2016

Library: Chinese | The right overdraft protection plan (Chinese) A wise choice. 讓支票帳戶透支可能會是一個非常昂貴的錯誤。這本小冊子闡述了你的支票帳戶透支的後果,“善意”透支的昂貴費用,現有比較好的透支保護計劃以及如何避免透支的技巧。Spending more money than is in your checking account can be a costly mistake. This fact sheet presents the consequences of overdrawing your account, the high cost of “courtesy” overdraft coverage, the better overdraft protection plans that exist and tips for avoiding overdrafts altogether. Category: Banking Money Management on Dec 08, 2015

Library: Chinese | Auto Insurance: The Basics (Chinese) . 每位駕駛人士都有責任購買一份合適的汽車保險。這本指南將協助你決定你需要選購哪些保險項目及保額多少,以及怎樣才能以最合理的價錢得到最佳的保障。It’s every driver’s responsibility to have adequate auto insurance. This guide will help you determine how much—and what kinds of—coverage you need, and how to get protection at the best price. Category: Auto Lending/Insurance Insurance on Aug 10, 2015

Library: Chinese | IP Transition: Making the Switch (Chinese) The next communication evolution. 本文對於網絡電話通訊轉換(IP Transition)有詳盡的解釋,包括電話服務正從傳統的(銅製地下電線)改變成使用網絡通訊,以及這種新的聯繫方式對消費者的各項優點。手冊中同時清楚列明消費者的通訊服務選擇,以及客戶將如果順利轉換並加入這種最新的通訊服務。 This fact sheet explains what Internet-based (IP) telephone service is, why the transition away from traditional (copper-based landline) phone service is happening and what advantages this type of connection offers for consumers. The brochure also explains consumers’ service options and how they can make a smooth transition. Category: Telecom on Jan 30, 2015

Library: Chinese | An Employee’s Guide to Payroll Cards (Chinese) . 這本4頁長的工資卡使用指南是專為各公司員工編寫,協助大家決定最合適個人的選項,同時可以瞭解工資卡的使用功能、如何避免額外費用,以及相關用卡權益。
This four-page guide is designed to help employees who work for companies that offer a payroll card to determine whether that is their best option, understand how the cards work and how to avoid fees, and know their rights. Category: Banking Credit Consumer Rights Money Management Prepaid Cards on Jul 17, 2014

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