Housing Publications List
Telemarketing Calls (Chinese). Telemarketing calls can be a nuisance, particularly when they interrupt your sleep, dinner, or time with family or friends. This fact sheet explains the rules that legislators and consumer protection agencies have created to make telemarketing calls less annoying and help reduce the number of unwanted sales calls you receive. It also provides tips for protecting yourself from fraud and for filing a complaint, if necessary.
ID Theft & Account Fraud - Powerpoint Training Slides (Spanish). El archivo de la presentación en PowerPoint del seminario Robo de identidad y fraude de cuentas está disponible en la sección "Download File".
Elder Fraud : Preventing Senior Scams - Powerpoint Training Slides (Spanish). El archivo de la presentación en PowerPoint del seminario Prevención de estafas a las personas de edad avanzada está disponible en la sección "Download File".
Your Digital Dollars - Powerpoint Training Slides. Your Digital Dollars Powerpoint training file is available for download in the "Download File" section.
Your Digital Dollars - Lesson Plan and Class Activities. This packet, only available as a PDF file, provides guidance for teachers and team leaders. The 24-page packet contains a detailed curriculum, classroom activities and take home worksheets.
Your Digital Dollars-Safety and privacy in online and mobile transactions. As more daily tasks, from shopping and banking to working and socializing, get done on a computer or mobile device, the opportunities to expose personal data increase.
Your Digital Dollars-Mobile Banking and Mobile Payments. Check your balance…transfer money…make a purchase—these are just a few of the things you can do on the go with a cellular telephone or other mobile device.
Your Digital Dollars-Banking Online Safely. Paying a bill, depositing a check or conducting any other financial transaction used to require a trip to the bank or post office. Now technology makes it possible to bank and pay bills without leaving your home or office.
Mercadeo telefónico. Las llamadas de mercadeo telefónico (telemercadeo o telemarketing) pueden ser fastidiosas, en particular cuando le interrumpen el sueño, la cena o el tiempo con su familia y amigos. Esta hoja informativa explica los reglamentos que la legislatura y las agencias de protección al consumidor han creado para que las llamadas de mercadeo telefónico sean menos enfadosas y para ayudar a reducir el número de llamadas indeseadas que recibe. También ofrece consejos para protegerse del fraude y sobre cómo presentar una queja si fuera necesario.
ID Theft & Account Fraud - Powerpoint Training Slides (English). The ID Theft & Account Fraud Powerpoint training file is available for download in the "Download File" section.
Elder Fraud : Preventing Senior Scams - Powerpoint Training Slides. The Preventing Senior Scams Powerpoint training file is available for download in the "Download File" section.
Telemarketing Calls. Telemarketing calls can be a nuisance, particularly when they interrupt your sleep, dinner, or time with family or friends. This fact sheet explains the rules that legislators and consumer protection agencies have created to make telemarketing calls less annoying and help reduce the number of unwanted sales calls you receive. It also provides tips for protecting yourself from fraud and for filing a complaint, if necessary.
Senior Scams - Just say no! (Chinese). Everyone must be on guard against scams, but seniors can sometimes be more vulnerable to fraud. This brochure outlines the many guises of fraud, with special attention to scams that target seniors. Signs of fraud and tips for avoiding scams are included.
Senior Scams - Just say no! (Spanish). Todos debemos estar atentos a los engaños, pero las personas mayores a veces pueden ser más susceptibles al fraude. Este folleto describe las variadas facetas del fraude, con especial atención a aquellas estafas que afectan a las personas mayores. Se incluyen “Señales de fraude" y consejos para evitar las estafas.
Elder Fraud - Leader’s Guide. According to AARP, older people who fall for scams tend to believe the pitches they hear. Many believe they have a good chance of actually winning a prize or that the products they see advertised are worth the price. This manual is written in question and answer format to allow you to quickly find the answers to questions about the myriad of scams that target seniors.
Senior Scams - Just say no! (English). Everyone must be on guard against scams, but seniors can sometimes be more vulnerable to fraud. This brochure outlines the many guises of fraud, with special attention to scams that target seniors. Signs of fraud and tips for avoiding scams are included.
ID Theft & Account Fraud - Leader’s Guide. This 21-page backgrounder guide is written in question-and-answer format to help you anticipate frequently asked questions about ID theft and account fraud. Reading this guide can help prepare you for in-service or train-the-trainer presentations. Topics include an overview of ID theft and account fraud, how to prevent ID theft, advice for victims and helpful ID theft resources that you can use to find more information or to file complaints.
ID Theft & Account Fraud - Prevention & Cleanup (Spanish). Un ladrón de identidad es un impostor que asume la identidad de otro para obtener ganancias ilegales o porque desea ocultarse detrás de una identidad nueva. El robo de identidad ocurre cuando el impostor utiliza la información personal de usted para cometer fraude u otros delitos. Esta publicación le puede ayudar a tomar los pasos necesarios para prevenir el robo de identidad. O, si usted ya es una víctima, le asistirá en arreglar los problemas causados por el robo de la identidad, y a disminuir el impacto que éstos tienen en su vida.
ID Theft & Account Fraud - Prevention & Cleanup (Chinese). An identity thief is an imposter who assumes another person’s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft—or ID theft—occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life.
ID Theft & Account Fraud - Prevention & Cleanup (English). An identity thief is an imposter who assumes another person’s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft—or ID theft—occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life.
Fraud Bingo Game (Chinese). Consumer Action's Fraud Bingo is a fun activity you can use in your trainings.
Internet Safety - Training Slides. The Internet Safety Powerpoint training file is available for download in the "Download File" section.
Internet Safety - Seminar Lesson Plan and Class Activities. This packet, only available as a PDF file, provides guidance for teachers and team leaders. The 22-page packet contains a detailed curriculum, classroom activities and take home worksheets.
Seguridad por Internet. Esta publicación explica cómo protegerse y cómo proteger a su computadora cuando navega por Internet y usa correo electrónico.
Questions & Answers about Internet Safety - Internet Safety Trainer’s Manual. This publication can help answer many questions about safety and security on the Internet and how to keep children, computer data and personal information safer and more secure. It outlines simple, but effective precautions and ways to avoid taking unnecessary risks when you are online.
Elder Fraud : Preventing Senior Scams - Lesson Plan. This updated packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)
Internet Safety (Chinese). This publication outlines ways that you can protect yourself and your computer when you use the Internet and email.
No caiga en la trampa de los servicios de cancelación de deudas. La mayoría de las compañías de cancelación de deudas le cobran aunque terminen sin saldar sus cuentas.
Fraud Bingo Game (Spanish). Bingo de estafas es una actividad divertida de Consumer Action para uso en sus presentaciones.
Elder Fraud : Preventing Senior Scams - Class Activities (Spanish). Este archivo en PDF contiene traducciones en español de las actividades para hacer en clase y los ejercicios para hacer en casa tomados del plan de enseñanza en inglés Elder Fraud : Preventing Senior Scams.
Freeze Your Credit File - Powerpoint Slides (Hmong). The Freeze Your Credit File Powerpoint File (in pdf format) is available for download in the "Download File" section.
Credit Card Fraud - Lesson Plan. This updated packet provides guidance for teachers and team leaders. The 18-page packet contains a detailed curriculum, classroom activities and Phishing information. (Note: It is only available as a PDF file.)
Questions and answers about credit card fraud. This 24-page publication provides information about many aspects of credit card fraud and offers tips for recognizing fraud and preventing it. The guide also covers how to check your credit card billing statement, where to report credit card fraud and what to do when fraud strikes. A list of helpful resources is included.
Cómo Reconocer El Fraude de Tarjeta de Crédito. El fraude de tarjeta de crédito ocurre cuando el consumidor le da el número de su tarjeta de crédito a un desconocido, cuando pierde o le roban las tarjetas, cuando el correo se desvía de su destinatario y se lo roba un delincuente, o cuando los empleados de una empresa hacen una reproducción de la tarjeta o del número de la tarjeta del cliente. Esta nueva publicación de Consumer Action explica cómo reconocer y evitar muchos tipos de fraudes que involucran tarjetas de crédito, como el copiado de banda magnética, phishing, robo de identidad y tarjetas falsificadas.
Recognizing Credit Card Fraud. Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.
Recognizing Credit Card Fraud (Chinese). Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.
Credit Card Fraud - Powerpoint Training Slides. The Credit Card Fraud Powerpoint training file is available for download in the "Download File" section.
Internet Safety. This publication outlines ways that you can protect yourself and your computer when you use the Internet and email.
ID Theft & Account Fraud - Class Activities (Spanish). Este archivo en PDF contiene traducciones en español de las actividades para hacer en clase y los ejercicios para hacer en casa tomados del plan de enseñanza en inglés ID Theft & Account Fraud.
Specialty Consumer Reports. In addition to your credit report, there are other types of consumer reports called specialty consumer reports. This publication explains what kinds of specialty reports might exist for you and how you can see and verify the information in them.
ID Theft & Account Fraud - Lesson Plan (English). This updated packet provides guidance for teachers and team leaders. The 15-page packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)
Freeze Your Credit File (Chinese). A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.
Freeze Your Credit File. A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.
Congele su expediente crediticio. El “congelamiento de seguridad” es una herramienta para ayudarle a prevenir el robo de identidad y evitar que impostores utilicen su información personal para establecer crédito. Esta publicación explica cómo “congelar” su crédito, lo cual previene que se establezca crédito nuevo a nombre suyo hasta que usted remueva el congelamiento por un tiempo o permanentemente.
Freeze Your Credit File - Powerpoint Slides. The Freeze Your Credit File Powerpoint File is available for download in the "Download File" section.
Credit Report Security Freeze - Training Packet. To provide participants with the knowledge to determine whether a security freeze is right for them and, if it is, how to place, lift and remove a security freeze. This PDF packet provides guidance for teachers and team leaders. The 11-page packet contains a detailed curriculum, classroom activities and take home worksheets.
Security Freeze Training Manual. This publication is part of a series on how you can protect yourself from identity (ID) theft by placing a security freeze on your credit files. A freeze also is a good idea for victims of ID theft.
State Credit Freeze Chart. Consumer Action has prepared a chart listing guidelines for placing a "security freeze" on your credit file.
Protect Your Phone Records. Phone records are an important source of private information that someone might try to access without your consent for illegal or harmful purposes. This publication can help you understand who would want to access your phone records, why they might want to do it, how they try to access your private information and what you can do to reduce the chances of becoming a victim. A companion Leader's Guide is available.
Protect Your Phone Records - Leader’s Guide. Pretexting is a method of obtaining someone else’s personal information, including phone records, under false pretenses. This Leader’s Guide, written in question-and-answer format, will help give trainers background on the techniques pretexters use, the damage they can do to victims, various laws and regulations that keep phone records private, how to protect personal data and how victims can file complaints. A companion brochure is available.
Protect Your Phone Records - Lesson Plan. This lesson plan, which explains why phone records contain private information that someone might try to access without consent for illegal or harmful purposes, is designed to help you lead trainings and seminars. The 13-page packet, part of the Protecting Your Phone Records series, contains a detailed curriculum, classroom activities and worksheets for participants. (Note: It is only available as a PDF file.)
Protect Your Phone Records - Powerpoint Slides. The Protect Your Phone Records PowerPoint slides explain who would want to access your phone records, why they might want to do it, how these people try to access your private information and what you can do to reduce the chances of becoming a victim. The PowerPoint slides can be downloaded from the "Download File" section.
Protect Your Phone Records (Chinese). Phone records are an important source of private information that someone might try to access without your consent for illegal or harmful purposes. This publication can help you understand who would want to access your phone records, why they might want to do it, how they try to access your private information and what you can do to reduce the chances of becoming a victim. A companion Leader's Guide is available.
Proteja su historial telefónico. Su historial telefónico es una importante fuente de información privada que alguien podría tratar de obtener sin su permiso con motivo de hacer daño o alguna actividad ilegal. Esta publicación puede ayudarle a entender quién podría tratar de obtener su historial telefónico, porqué lo harían, cómo tratan de obtener su información personal y qué puede hacer usted para disminuir las posibilidades de convertirse en víctima.
ID Theft Quiz. The ID Theft Quiz Game is a fun way to teach important concepts about this prevalent form of fraud.
Don’t Lose Your Home (2006). A brochure that explains how a "home equity loan" allows you to borrow money against your home's equity. However, your home secures the loan; if you are unable to make the home equity loan payments, you can lose your house. This fact sheet explains the need for caution when agreeing to such loans.
No pierda su casa (2006). Un folleto que explica cómo un "préstamo sobre el valor líquido de la vivienda" le permite obtener dinero contra el valor líquido de su casa. Pero si no puede pagar los pagos del préstamo, puede perder su casa. Este folleto explica porqué es necesario tener cuidado con estos préstamos.
Before You Add Someone To Your Title (2006). There are just a few valid reasons to amend your homeownership by adding another person’s name to the title to your home. This is also called transferring title. If you transfer all or part of your ownership to another person, you lose control.
Fraud Bingo Game. Consumer Action's Fraud Bingo is a fun activity you can use in your trainings.
Don’t Fall for the Wrong Call. Telemarketing fraud — using the phone to swindle and cheat — robs U.S. consumers of about $40 billion a year. Don't fall for the wrong call, an 8-page, in-depth guide provides information on common tricks and charitable donation scams used by telemarketers, how to answer sales calls, warning signs of fraud, how to protect yourself from unwanted calls, your rights under the law and how you can sue telemarketers who do not honor your wishes not to be called. The guide also contains a listing of complaint handling agencies and other helpful resources.
No se deje engañar por teléfono. El fraude telefónico usar el teléfono para engañar y estafar roba a los consumidores de Estados Unidos aproximadamente 40 billones de dólares al año. "No caiga en la trampa" es una profunda guía de 8 páginas que provee información acerca de trucos comunes (como organizaciones de caridad inexistentes) usados por vendedores telefónicos. Incluye cómo contestar llamadas de ventas, signos de alerta de fraude, cómo protegerse de las llamadas no deseadas, sus derechos ante la ley y cómo puede demandar a los vendedores telefónicos que no respetan su derecho a no recibir llamadas. La guía también contiene un listado de organizaciones y agencias que reciben quejas de este tipo y otros recursos útiles.
Don’t Fall for the Wrong Call (Chinese). Telemarketing fraud — using the phone to swindle and cheat — robs U.S. consumers of about $40 billion a year. Don't fall for the wrong call, an 8-page, in-depth guide provides information on common tricks and charitable donation scams used by telemarketers, how to answer sales calls, warning signs of fraud, how to protect yourself from unwanted calls, your rights under the law and how you can sue telemarketers who do not honor your wishes not to be called. The guide also contains a listing of complaint handling agencies and other helpful resources.
Protect Yourself From Identity Theft. A factsheet explaining what identity theft is, how to prevent it, and what to do if you are a victim of identity theft.
Protect Yourself From Identity Theft (Chinese). A factsheet explaining what identity theft is, how to prevent it, and what to do if you are a victim of identity theft.
Protéjase del robo de identidad. Un folleto que explica qué es el robo de identidad, cómo evitarlo, y qué puede hacer si usted ha sido víctima del robo de identidad.
Slammed!. This brochure explains what to do if you are "slammed" -- if your long distance service is switched without your permission. Slamming is prohibited by federal and state law. Includes the new Federal Communications Commission (FCC) consumer protection rules to help you if you've been slammed.
Don’t get ripped off by a bad private vocational school. An easy-to-read brochure about private trade schools, federal school loans and what to do if your school closes. This publication includes phone numbers for all state licensing agencies for private vocational schools, as well as helpful contacts at the federal level, including the U.S. Dept. of Education.
No se deje engañar por una mala escuela profesional privada. Un folleto fácil de leer sobre escuelas privadas de comercio, préstamos federales para escuelas y qué hacer si su escuela cierra. Esta publicación incluye los números de teléfono de todas las agencias de habilitación académica de las escuelas profesionales privadas, como asi también contactos útiles a nivel federal, como el Departamento de Educación de E.E.U.U.
Keeping Your Bank & Credit Card Accounts Safe from Fraud. A manual designed to help staff members of community-based organizations educate their clients about avoiding fraud in banking and credit card transactions. Topics covered include banking on the Internet, avoiding financial scams, identity theft and using ATMs. Includes resources for victims of fraud.
Preventing Credit Card Fraud. A brochure that describes how crooks steal and use credit cards and card numbers, and also describes how to protect your card and what to do if your card has been stolen.
Credit Repair Scams. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.
Cómo evitar el fraude con tarjetas de crédito. Un folleto que describe cómo los delincuentes roban y usan los números de las tarjetas de crédito, y explica cómo evitar el fraude y qué debe hacer si su tarjeta ha sido robada.
Las estafas por reparación de crédito. Algunas compañías engañan al consumidor diciendo que pueden "limpiarle" los informes de crédito negativos. Este folleto explica los servicios limitados que las compañías de reparación de crédito pueden ofrecer legalmente y revela las declaraciones engañosas y las prácticas ilegales de ciertas compañías.
Questions and Answers About Home Equity Loan Fraud. A manual for community and consumer advocates working to educate senior, low income and minority home owners about the dangers of home equity loan fraud. Topics covered include home improvements, hiring a contractor, warning signs of fraud and the possibility of losing your home through a home equity loan.
Miracle Cures Can Make You Sick!. A fact sheet that explains how to avoid unproven remedies, untested medical products, unlicensed practitioners, and unfounded health claims.
You Can Help Fight Phone Fraud. A 16-page guide to help consumers avoid and detect phone fraud, including slamming, cramming, toll fraud, calling card fraud, identity theft and wireless (cell) phone fraud. Lists resources for information as well as reporting phone fraud.
Usted puede ayudar a combatir el fraude telefónico. Una guía de 16 páginas que ayuda al consumidor a evitar y detectar el fraude telefónico, incluyendo el pirateo o "slamming," cargos no autorizados o "cramming," fraude de larga distancia, fraude por tarjeta telefónica, robo de identidad, y el fraude de radiotelefonía móvil. Incluye una lista de fuentes de información adicional y de oficinas donde se puede denuciar el fraude.
Phone Fraud. An illustrated fact sheet that describes what phone fraud is and how you can become a victim. Explains how to protect yourself and how to complain about phone fraud.
Fraudes de Teléfono. Hoja informativa ilustrada que describe el fraude telefónico, cómo protegerse del fraude telefónico y cómo quejarse si le ocurre a usted.
How to Avoid Becoming a Victim of Insurance Fraud. An illustrated brochure describing the warning signs of insurance fraud, with some concrete steps you can take to avoid becoming a victim. Though written specifically to help Asian Americans, this brochure contains information helpful to all consumers. It details several types of insurance fraud, such as: fake policies, premium fraud, unlicensed agents, unnecessary services, and insurance scams. It also describes how to get your money back and where to complain about insurance fraud.
Phone Fraud (Chinese). An illustrated fact sheet that describes what phone fraud is and how you can become a victim. Explains how to protect yourself and how to complain about phone fraud.
What Asian Americans Should Know About Insurance Fraud. An 8-page, illustrated manual written to help agency staff answer their clients' questions about insurance fraud. Though written specifically for agencies that work with Asian Americans, it contains information relevant to any consumer's questions. It includes an appendix listing the insurance regulators for the top ten states with the largest Asian American populations.
Don’t Be Fooled by Misleading ‘Credit Repair’ Claims!. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.
No Se Deje Engañar por Declaraciones Falsas de “Reparación de Crédito”. Un folleto que explica qué es un informe de crédito, cómo averiguar el contenido de su informe de crédito, qué puede hacer si su informe de crédito contiene información incorrecta, y cómo cuidarse de las compañías que dicen poder reparar su crédito.
Antes de incluir a otra persona en su título de propiedad. Hoja informativa que describe varios puntos que se deben considerar antes de incluir a otra persona en el título de propiedad de su vivienda, como el hecho de que se está otorgando derechos de propiedad y control a otra persona.
Preventing Telemarketing Fraud. An illustrated fact sheet that describes how con artists cheat people over the phone, and gives tips to avoid being a victim of fraud. Includes a list of the "10 Warning Signs of Fraud."
Previniendo el Fraude del Mercadeo Telefónico. Hoja informativa ilustrada que describe cómo los estafadores engañan a las personas por teléfono y da consejos sobre cómo evitar ser víctima de un fraude. Incluye una lista de las "10 señales de peligro de fraude."
