1997 Consumer's Resource Handbook
DIANE Publishing, May 1, 1997 - 128 pages
Offers information & advice to help consumers gain knowledge about their rights & about how to make the right choices. Includes: corporate consumer contacts; better business bureaus; trade association & other dispute resolution programs; state, county & city government consumer offices; selected federal agencies; military commissary & exchange contacts; media programs; occupational & professional licensing boards; legal help; consumer credit counseling services; consumer groups & much more. Especially helpful for consumer complaints or problems.
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Page 18 - Does the front door display a government logo indicating that it is federally insured? Generally, if the institution is insured federally, an individual is covered for up to $100,000 in deposits if the institution fails. 2. What is your goal in establishing a banking relationship? Answers might include "to save money," "to have a checking account," "to get a loan,
Page 28 - I purchase the item before then end of the rental term? If so, how is the price calculated? • Will I get credit for all of my payments if I decide to purchase the item? • Is there a charge for repairs during the rental period? Will I get a replacement while the rented item is not in my possession? • What happens if I am late on a payment? Will the item be repossessed? Will I pay a penalty if I return the item before the end of the contract period? Comparison shop among various rent-to-own merchants....
Page 29 - Don't buy used items that can't comply with current standards. • Garage and tag sales are places where small appliances, power tools, baby furniture, and toys with safety defects, lead paints, or other hazards get passed along to new owners. Make sure these types of items meet current safety requirements. • If you spot a product defect, design flaw, allergic reaction, or hidden hazard, contact the US Consumer Product Safety Commission or your state or local consumer protection agency. • Read...
Page 27 - ... annual fees, and maintenance fees. Maintenance fees can go up yearly. • Compare your total annual cost with that of hotels or your normal vacation expenses. • Ask about availability during your vacation periods. Ask what other timeshares or campgrounds you may use with your membership. • Talk to individuals who already purchased from the company, about the services, availability, upkeep, and reciprocal rights to use other facilities. • Get everything in writing and make sure verbal promises...
Page 20 - These cards usually require you to set aside money in a separate bank account in an amount equal to the line of credit on the card to guarantee that you will pay the credit card debt. Some of these offers advertise that secured cards can be used to repair a bad credit record, but no matter how well you handle this account, your payment history on your past debts still will be taken into consideration when you apply for credit, employment, or housing.
Page 20 - Washington); xxxvii • refuse to consider reliable public assistance income or regularly received alimony or child support; • discount or refuse to consider income because of your sex or marital status, or because it is from part-time work or retirement benefits. • You have the right to: » have credit in your birth name, your first name, and your spouse's last name, or your first name and a combined last name; • have a co-signer other than your spouse if one is necessary; • keep your own...
Page 70 - National Food Processors Association 1401 New York Avenue NW Washington, DC 20005 (202...
Page 15 - ... only to companies you know. • Educate your children about 900 numbers; have them get permission for any calls. Some local phone companies offer a service to block these numbers from being dialed from your phone. • Notify your phone company immediately if you dispute any 900-number charges on your bill. Your local and long distance telephone service cannot be disconnected for disputed pay-per-call charges. Write the Federal Trade Commission , 600 Pennsylvania Ave., NW, Washington, DC 20580...
Page 27 - two-forone." You'll end up paying for the "free" trip or more for the product than the trip is worth, and the two-for-one deal might be more expensive than if you had arranged a trip yourself by watching for airfare deals. • Be wary of travel offers which ask you to redeem vouchers or certificates from out-of-state companies. Their offers are usually valid only for a limited time and on a space-available basis. The hotels are often budget rooms and very uncomfortable. The company charges you for...