Debt-Free America - Consolidate debt, lower monthly payments and be DEBT FREE in 3 to 5 years!

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Publications

We believe it is very important to educate our customers about using credit in today's economic market. In accordance with this belief, we have included a listing of free publications for our customers and guests. To review these publications, just click on the desired format button ("TEXT" or "PDF" [if available]) of any publication listed below to go to that publication. When you have finished, just click your browser's "back" button to return to our site.

Some publications are in both text and Adobe PDF format. If you do not have the Adobe Acrobat Reader, click on the following link to go to the Adobe Web Site, follow the instructions for downloading and installing the Reader, then use your browser's "Back" button to return to Arizona's DEBT-FREE AMERICA Site to continue:

Consumer Information/Education

66 Ways to Save Money	Text
Ads Promising Debt Relief May Be Offering Bankruptcy Alert	Text / PDF
Automatic Debit Scams	Text
Avoiding Credit and Charge Card Fraud	Text / PDF
Building a Better Credit Record	Text
Choosing and Using Credit Cards	Text
Cosigning a Loan	Text
Credit and ATM Cards: What To Do If They're Lost or Stolen	Text
Credit and Divorce	Text
Credit and Your Consumer Rights	Text
Credit Card Blocking	Text
Credit Repair: Getting Back in the Black Campaign	Text
Credit Repair: Help Yourself First Alert	Text / PDF
Credit Repair: Self-Help May Be Best	Text
Credit Scoring	Text
Easy Credit? Not So Fast. The Truth About Advance Fee Loan Scams	Text
Electronic Banking	Text
Equal Credit Opportunity	Text
Fair Credit Billing	Text
Fair Credit Reporting	Text / PDF
Fair Credit Reporting Act, as amended Campaign	Text
Fair Debt Collection	Text / PDF
Fiscal Fitness: Choosing a Credit Counselor	Text / PDF
Getting a Loan: Your Home as Security	Text
Getting Credit When You're Over 62	Text
Getting Purse-onal Alert	Text
Gold and Platinum Cards	Text
Guide to Online Payments	Text
High-Rate, High-Fee Loans (Section 32 Mortgages)	Text / PDF
Home Equity Credit Lines	Text
Home Equity Scams: Borrowers Beware!	Text
Home Financing Primer	Text
How To Dispute Credit Report Errors	Text / PDF
Identity Crisis... What to Do If Your Identity Is Stolen Alert	Text / PDF
Identity Theft: Identity Thieves Can Ruin Your Good Name	Text
Just When You Thought It Was Safe... Adv. Fee Loan "Sharks" Alert	Text / PDF
Knee Deep in Debt	Text
Looking for the Best Mortgage?	Text / PDF
Mortgage Discrimination	Text
Mortgage Servicing	Text
NCP Weekly: Credit Fraud - Know the Rules, Use the Tools	Text
New ID? Bad Idea: File Segregation Exposed	Text / PDF
Project Loan Shark II: Advance-Fee Loan Scams Campaign	Text
Refinancing Your Home	Text
Reverse Mortgages	Text
Second Mortgage Financing	Text
Secured Credit Card Marketing Scams	Text
The Credit Practices Rule	Text
Using Ads To Shop for Home Financing	Text
Utility Credit	Text
Y2K? Y 2 Care: Preparing Your Personal Finances for the Year 2000 Alert	Text
Y2K? Y 2 Care: Protecting Your Finances from Y2K Scam Artists Alert	Text / PDF

Business Information/Education

Advertising Consumer Leases	Text
How to Advertise Consumer Credit: Complying with the Law	Text
Consumer Reports: What Insurers Should Know About Them	Text
Complying with the Credit Practices Rule	Text
Credit Reports: What Information Providers Need To Know	Text / PDF
Fair Credit Reporting Act, Campaign as amended	Text
Getting Business Credit	Text
How to Advertise Consumer Credit: Complying with the Law	Text
How to Write Readable Credit Forms	Text
Using Consumer Reports: What Employers Need To Know	Text / PDF
Y2K? Y 2 Care: 7 Steps to A Successful Transition For Consumer Financial Service Providers Alert	Text

Government Rules and Acts

Consumer Leasing Act	Text
Electronic Fund Transfer Act	Text
Equal Credit Opportunity Act	Text
Fair Credit and Charge Card Disclosure Act
Fair Credit Billing Act	PDF
Fair Credit Reporting Act (FCRA), as amended (11/98)	Text / PDF
Fair Debt Collection Practices Act (FDCPA), as amended	Text / PDF
Federal Deposit Insurance Corporation Improvement Act of 1991	Text
Home Ownership and Equity Protection Act	Text
Identity Theft and Assumption Deterrence Act	Text / PDF
Notices of Rights and Duties under the FCRA (July 1, 1997)	Text
Information about the Opt-Out Provisions of the FCRA	Text
Truth in Lending Act	Text