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: Korean | Micro business: Preparing for success (Korean) . 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. Filed Under: Credit Micro Business on Jan 23, 2018

Library: Korean | Personal bankruptcy: Your financial fresh start (Korean) . 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. Filed Under: Bankruptcy Credit Consumer Rights Credit Cards Debt Collection Foreclosure on Oct 30, 2017

Library: Korean | Get a car loan (Korean) That's in your best interest. 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. Filed Under: Auto Lending/Insurance Credit on May 23, 2017

Library: Korean | Debtors’ Rights (Korean) . This guide helps consumers understand how to communicate with a debt collector, what their rights and options are when faced with a debt collection lawsuit, steps to take to try to avoid legal action, where to find legal information and advice, the general process of responding to a lawsuit, their rights if they lose the case and how to file a complaint against a collector. Filed Under: Bankruptcy Credit Debt Collection on Dec 20, 2016

Library: Korean | The Fair Debt Collection Practices Act (Korean) 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. Filed Under: Bankruptcy Credit Debt Collection on Sep 20, 2016

Library: Korean | Money Management 1-2-3: TWO: Achieving Financial Goals (Korean) . 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. Filed Under: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Jun 27, 2016

Library: Korean | Money Management 1-2-3: ONE: Getting a Strong Start (Korean) . 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. Filed Under: Banking Credit Credit Reports/Scores Money Management Student Loans Taxes on Jun 23, 2016

Library: Korean | Prepaid Cards (Korean) 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. Filed Under: Banking Credit Money Management Prepaid Cards on May 08, 2012

Library: Korean | Credit Reports and Credit Scores (Korean) . 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. Filed Under: Credit Credit Reports/Scores Credit Scores Mortgages on Feb 28, 2011

Library: Korean | Consumer Reports and Specialty reports (Korean) . 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.
Filed Under: Credit Credit Reports/Scores Credit Scores on Feb 28, 2011

Library: Korean | Credit Cards - What You Need To Know (Korean) . 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. Filed Under: Credit Credit Cards on Nov 11, 2010

Library: Korean | Improve Your Credit -  Put Bad Credit Behind You (Korean) . 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. Filed Under: Credit Credit Fraud Credit Reports/Scores Credit Scores Fraud/Scams on Aug 28, 2010

Library: Korean | Families and Credit Cards (Korean) . 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. Filed Under: Credit Credit Cards on May 24, 2010

Library: Korean | Good Credit - Build it and keep it (Korean) . 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. Filed Under: Credit Credit Reports/Scores Credit Scores Fraud/Scams on May 14, 2010

Library: Korean | Workplace Privacy (Korean) 근무 중 여러분의 권리 . To protect your personal privacy and your job, you should know when and how employers can monitor and gather information about you. This publication explains some of the situations in which monitoring might occur in the workplace and explains your privacy rights as an employee. Filed Under: Credit Privacy Rights on Dec 21, 2009

Library: Korean | Staying on Track With Credit (Korean) How to use credit wisely. 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. Filed Under: Credit Credit Reports/Scores Credit Scores Money Management on Jul 10, 2009

Library: Korean | Recognizing Credit Card Fraud (Korean) . 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. Filed Under: Credit Credit Cards Fraud/Scams on Jul 08, 2009

Library: Korean | Understanding Your Credit Score (Korean) . 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. Filed Under: Credit Credit Reports/Scores on Mar 24, 2008

Library: Korean | California Car Buyer’s Bill of Rights (Korean) . 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. Filed Under: Auto Lending/Insurance Credit Credit Reports/Scores Credit Scores on Mar 08, 2007

Library: Korean | How to send money home (Korean) Tips for transferring money abroad . Many immigrants send some of their earnings to relatives and friends in their home countries. There are several ways to transfer money overseas. This publication explains the different types of companies that can help with this task. Filed Under: Banking Credit Prepaid Cards on Jan 25, 2006

Library: Korean | Poor Credit means Higher Interest Rates - How to avoid bad loans (Korean) . 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. Filed Under: Credit on Apr 01, 2004

Library: Korean | Giving Yourself Some Credit (Korean) . 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. Filed Under: Credit on Apr 02, 1993

Library: Korean | California Immigrants and Credit (Korean) . 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. Filed Under: Credit on Apr 01, 1993

Quick Menu

Facebook FTwitter T

Consumer Help Desk

Advocacy