Here you will find references and resources to further study credit, credit law, learn about budgeting & finances and more.

Debt Collection Letters-

Here are several letters to use in dealing with a debt collector. Cease contact, document reporting letters and more.

Withdrawl of Federal Tax Lien form-

This request form will remove federal tax liens from your credit report if they have been paid in full. It must be requested by the consumer. It will not automatically be removed when paid.

Small Claims Court Links To Each State

Resource of information for filing in small claims court and much more. FreeAdvise.com

Handbook to Credit Protection Laws

A great resource covering all aspects of credit and credit protection laws. Provided by The Federal Reserve Board

Mortgage Debt Relief Act of 2007

Explains the "cancellation of debt" making it non-taxable as income

U.S. Foreclosure Laws

FDCPA (Fair Debt Collection Practices Act)

These are the laws which govern debt collectors, what they can and cannot do. Also, what you can do to protect yourself.

1971 Fair Credit Reporting Act

This legislation was enacted to protect consumers credit.

CRAs Failure To Handle Reporting Errors

A white paper on the continued abuses of credit bureaus

Senate Testimony- Financial Institutions & Consumer Credit -this is given by a National Association Consumer Advocate (NACA) attorney and clearly describes the failures of both CRAs & creditors to comply both with the spirit of the law and the re-investigation process itself.

Fair and Accurate Credit Transactions Act of 2003

This amends the FCRA to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.

Consumer Purchase Agreement

Safe Haven Credit