IowaIowa

Consumer & Finance

Legal Information

  • Consumer Brochures

    Helpful information from the National Consumer Law Center for consumers and advocates on a range of issues from bankruptcy to telemarketing fraud. Content Detail

    By:
    National Consumer Law Center
  • Creditor Threats - Are They for Real?

    Health problems, car accidents, and credit cards can make it tough to pay your bills. Creditors and debt collectors may contact you and threaten to take your income and property. You should know that federal and Iowa law protect certain property from being taken by most of your creditors Read More

    By:
    Legal Hotline for Older Iowans
    Read this in:
    Spanish / Español
  • Dealing With Medical Debt

    It is important to plan for medical expenses. Equally important is knowing how to deal with medical bills when you have no money to pay them. Read More

    By:
    Legal Hotline for Older Iowans
  • Financial Matters for Older Iowans

    Many older Iowans may find themselves in unfamiliar territory when it comes to financial matters, especially after the death of a spouse who handled the family's finances. Read More

    By:
    Legal Hotline for Older Iowans
    Read this in:
    Spanish / Español
  • Funeral Purchases - Protections Under The FTC Funeral Rule

    Your funeral may be one of the most expensive consumer purchases you or your family ever makes. To avoid overspending, it helps to understand your rights under the "Funeral Rule" enforced by the Federal Trade Commission (the "FTC"). Read More

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • Help With Phone Equipment for Iowans with a Hearing Disability

    If you are an Iowan and have a hearing disability, you can get help with special phone or other equipment to make it easier to talk or communicate by phone Read More

    By:
    Legal Hotline for Older Iowans
  • How to Hire a Trustworthy Contractor

    A good contractor is the key to a good home repair project. In planning for the project, this information will help you. Read More

    By:
    Iowa Legal Aid
  • Is Your Social Security Safe from Debt Collectors?

    With several important exceptions, your social security check is safe or "exempt" from claims of creditors. The money in your account, however, may not be automatically protected. You might need to tell or prove to the creditor or bank that your money is from social security and is exempt. Read More

    Read this in:
    Spanish / Español
  • Just Say "No" to Unwanted Door-to-Door Sales

    While there are reputable businesses that sell door-to-door, many use high pressure and assorted tricks to get your money. The best way to deal with a salesperson who is selling something you don’t need or want is to just say “NO”! Read More

    By:
    Legal Hotline for Older Iowans
  • Payday Loans - a Convenience You Can't Afford!

    The use of "payday loans" (also sometimes known as "cash advance loans," "check advance loans" or "delayed deposit checks") has become a ritual for many working Iowans, including the elderly. Unfortunately, the Iowans using these types of services do not realize what the service is costing them. Read More

    By:
    Iowa Legal Aid
    Read this in:
    Spanish / Español
  • Payday Loans: Too Pricey To Be Helpful

    Payday loan businesses extend credit by giving cash in exchange for a check which is dated for some time in the future, also called a post-dated check. The lender charges a “service charge.” This “service charge” is the profit for the business and works like interest on your loan. This is often as much ten times higher than the annual charge on a loan from a bank. Read More

    By:
    Iowa Legal Aid
  • Predatory Lending - Don't Be a Victim

    Predatory lenders take advantage of unsuspecting consumers by marketing and making mortgage loans with vastly inflated interest rates and fees and other burdensome terms. Predatory lending is a serious problem throughout the country, one that can leave you penniless and homeless. Read More

  • Pre-Need Funeral Arrangements - Pros and Cons

    There are many advantages to planning and paying for your funeral in advance. Iowa law has a number of provisions that protect consumers who make pre-need funeral arrangements. Read More

    By:
    Legal Hotline for Older Iowans
    Read this in:
    Spanish / Español
  • Prioritize Your Insurance Needs

    A review of the main kinds of insurance and if any make sense for you. Read More

    By:
    Legal Hotline for Older Iowans
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