Learn Your Rights From Free Videos
If you’re looking for easy to understand legal advice on all sorts of financial problems you need “Money, Credit and the Law — Know Your Rights!”
It’s a free, six-part series of online videos produced by the Center for Consumer Law at the University of Houston Law Center.
In them, law professor Richard Alderman explains how to stop abusive calls from debt collectors, find legitimate credit counselors, defend yourself against lawsuits, file for bankruptcy and much more.
If nothing else, these videos will make it harder for you to be scammed or bullied by unscrupulous creditors and con men who prey on consumers in financial trouble.
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Let The Feds Lower Your Down Payment
Want to buy a home, but don’t have much cash?
Two government programs can ensure you make the smallest possible down payment.
You can still get 100% financing if you can qualify for a VA loan. And you’ll only have to pay 3.5% of the purchase price with an FHA loan.
These are mortgages where the government promises to repay the bank if you default. With guarantees like that, banks are able to take on borrowers they might have rejected on charged a much higher interest rate.
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Your State Can Help With Balky Insurers
Many families with medical insurance are shocked when an illness or accident strikes and their insurer leaves them with tens of thousands of dollars in unpaid bills.
In most cases that’s because they’re underinsured. Their policies have such strict limits on how much the insurer will pay, that they’re left holding the bag for most of the cost.
It’s a major reason why 62% of all bankruptcies are caused by medical bills even though three out of every four of those being pushed into bankruptcy by health care costs have some type of health insurance.
But insurers also reject 10% to 15% of what appears to be legitimate claims. That’s where your state insurance commission comes in. MORE
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Miss a payment, lose your points
Not paying your credit card bill on time can cost more than a late fee.
You could also lose all of the reward points or miles you earned that month — and every month until you catch up.
Most cards also forbid customers from redeeming any of the points or miles they’ve previously earned until they’re current with their payments.
Capital One seems to have the most stringent policy. Citi the most lenient. MORE.
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