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: 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. Filed Under: Credit Micro Business on Mar 29, 2018

Library: Vietnamese | Get Credit for Your Hard Work (2017 Tax Year) (Vietnamese) Low-income working taxpayers may qualify for the federal EITC. The Earned Income Tax Credit (EITC) helps low-income, working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2017 tax year. Filed Under: Money Management Taxes on Feb 16, 2018

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. Filed Under: Bankruptcy Credit Consumer Rights Credit Cards Debt Collection Foreclosure on Dec 21, 2017

Library: Vietnamese | Tax basics for earners in the ‘sharing economy’ (Vietnamese) . 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. Filed Under: Money Management Taxes on Oct 23, 2017

Library: Vietnamese | Insuring yourself in the ‘sharing economy’ (Vietnamese) . 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. Filed Under: Insurance on Aug 25, 2017

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. Filed Under: Auto Lending/Insurance Credit on May 04, 2017

Library: Vietnamese | California’s Low Cost Automobile Insurance Program (Vietnamese) . 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. Filed Under: Auto Lending/Insurance Insurance on Apr 24, 2017

Library: Vietnamese | A guide to finding the right job training school (Vietnamese) . 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. Filed Under: Fraud/Scams Military/Veterans Student Loans on Mar 29, 2017

Library: Vietnamese | California’s Lemon Law (Vietnamese) . 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. Filed Under: Auto Lending/Insurance Consumer Rights on Mar 01, 2017

Library: Vietnamese | Getting up to speed (Vietnamese) . 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.  Filed Under: Internet Telecom on Nov 14, 2016

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. Filed Under: Bankruptcy Credit Debt Collection on Oct 31, 2016

Library: Vietnamese | Watch out! Online video and your privacy (Vietnamese) . 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. Filed Under: Internet Privacy Rights on Oct 27, 2016

Library: Vietnamese | What’s not to ‘Like’? (Vietnamese) . 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. Filed Under: Internet Privacy Rights on Sep 23, 2016

Library: Vietnamese | Money Management 1-2-3: THREE: Planning a Secure Future (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 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. Filed Under: Insurance Investing Medical/Healthcare Mortgages Money Management on Aug 12, 2016

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. Filed Under: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Aug 12, 2016

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. Filed Under: Banking Credit Credit Reports/Scores Money Management Student Loans Taxes on Aug 08, 2016

Library: Vietnamese | Put a Lock on It - Protecting your online privacy (Vietnamese) . 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. Filed Under: Internet Privacy Rights Technology on Jan 19, 2016

Library: Vietnamese | A consumer’s guide to choosing a prepaid card (Vietnamese) . 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. Filed Under: Banking Money Management Prepaid Cards on Dec 11, 2015

Library: Vietnamese | The right overdraft protection plan (Vietnamese) A wise choice. 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. Filed Under: Banking Money Management on Aug 27, 2015

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. Filed Under: Bankruptcy Credit Debt Collection on Aug 26, 2015

Library: Vietnamese | Auto Insurance: The Basics (Vietnamese) . 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. Filed Under: Auto Lending/Insurance Insurance on Apr 20, 2015

Library: Vietnamese | IP Transition: Making the Switch (Vietnamese) The next communication evolution. 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. Filed Under: Telecom on Jan 30, 2015

Library: Vietnamese | Checking and savings accounts (Vietnamese) A wise choice. This fact sheet presents the basics of checking and savings accounts, highlighting the advantages they offer over “fringe” banking services such as check cashers. The publication covers, among other topics, how checking and savings accounts work, how to choose a financial institution and open an account, and how to reduce or avoid account fees. Filed Under: Banking Money Management on Mar 05, 2014

Library: Vietnamese | Health Records Privacy in California (Vietnamese) Bảo vệ sự riêng tư khi hồ sơ bệnh nhân được lưu trữ trong kỹ thuật điện số. This fact sheet provides an introduction to electronic health records and your health information privacy rights. To learn more, refer to the companion resource, Health Records Privacy in California: Answers to Frequently Asked Questions, which provides additional information in a Q&A format. Filed Under: Medical/Healthcare Privacy Rights on Nov 12, 2013

Library: Vietnamese | Connect to California Lifeline and Save! (2018) (Vietnamese) Discounted telephone service can help your family stay in touch. California Lifeline provides discounts on basic residential telephone service to eligible low-income households. Consumers who qualify for California Lifeline pay a fraction of the regular cost for telephone connection and monthly local telephone service. This brochure explains the features and benefits of Lifeline phone service, how to apply for the program, and what you must do to continue participation. Filed Under: Internet Telecom Wireless on Sep 23, 2013

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