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Credit
Card Binding Arbitration: When Ignorance Isn't Bliss
 Few
people want to go to court, but there are times when it is necessary
to preserve your rights and to fight unfair or illegal treatment.
Watch out for mandatory arbitration clauses in your credit card
agreements, which can prevent you from having your day in court.
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Your
Consumer Rights
 If
you have ever fallen behind on your debts you already know that
dealing with your creditors can be a hassle. Sometimes it can be
downright humiliating. It doesn't have to be that way.
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Collection
Company After a 23-Year Old Debt
I received a letter telling me
that I owed a debt of $535.73, but, "if I paid $214.00
immediately," they would cancel the debt. I cannot recall owing
this debt. It was made, according to the company (I called this AM)
in 1980, under my husband's name. I have checked through as many old
papers as I have and can't find this debt.  When
I pay a card off, I always cut it up. I have no cards now, and pay
everything by check. Can they collect on a debt this old?
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Break
Through the Mold and Protect Your Rights!
Dear Craig, Now that the winter is here
and I've had to turn on my heater, I've been smelling a strange
musty smell coming from my vents. Is this normal or is  there cause
for concern? My girlfriend thinks I should take it in for service
but I don't think that it's serious. Your thoughts?
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Unsolicited
Mail, Telemarketing and Email: Where to Go
To "Just Say No"
Tired of having
your mailbox crammed with unsolicited mail, including
pre-approved credit card applications? Fed up with
getting telemarketing calls just as you're sitting
down to dinner? Fuming that your email inbox is
chock-full of unsolicited advertising? The good news
is that you can...
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How
to File a Consumer Complaint About a Bank
As a federal regulatory
agency, the Federal Reserve System investigates consumer complaints
received against state chartered banks that are members of the
System. If you think a bank has been unfair or deceptive in its 
dealings with you, or has violated a law or regulation, as a
consumer you have the right to file a complaint. The major consumer
protection laws covering...
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Phony
Tax Forms Result in Identity Theft
A rash of fake IRS forms, along with an
official-looking letter from a bank  have recently fooled many
taxpayers into providing personal information under false pretenses.
The IRS has received several reports of this latest scam surfacing
nationwide. Dozens of U.S. and foreign taxpayers have been
identified so far. In this scam,
a letter claiming...
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