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Borrower Beware: The High Cost of Payday and Auto Title Lenders, Pawnbrokers and Rent-To-Own Stores

This fact sheet describes the high cost of different kinds of small loans - payday loans, pawning your car's title, and renting-to-own a TV, stereo, furniture or appliances. (You must have a PDF reader on your computer to open this document. To get Adobe’s PDF Reader, click on the Get Adobe Reader icon to download.)

Buying a Used Car

Buying a used car can be confusing and difficult. A quick look may tell you a car is in bad condition, but you can't always tell just by looking. Some dealers hide things from you. Others mislead you. Here are some answers to questions you may have about buying a used car.

Buying a Used Car? Facts for Consumers

Before you start shopping for a car, do some homework. This site covers payment options, dealer sales, warranties, service contracts, private sales, and more. Also in Spanish/Español

Car Information

Good collection of resources regarding cars, car pricing and safety information, lemon law summaries.

Co-signing a Loan - Facts for Consumers

What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves. Under federal law, creditors are required to give you a notice that explains your obligations. This site includes that notice and other information.

Dangers of Co-Signing a Loan

Should I co-sign a loan? What happens when I co-sign? If I decide to co-sign despite the risks, what should I do? This document answers these questions.

Debt Collection Videos

If you have received court papers from someone who says you owe them money, these videos explain what to expect.


If you owe money to a person or business and cannot pay, they will try to collect. If a creditor sues you and gets a court judgment, the creditor may have the right to execute against your property. This document explains how a creditor does this and what you can do to protect your property.

My New Car is a Lemon

Alabama law gives rights to people who buy defective new cars. This article talks about those rights. To learn about rights buyers of used cars have, see "Buying a Used Car" above


If you bought something on credit or put up something you own as collateral, the creditor may have the right to repossess it. Cars are often repossessed. We use a car as an example for repossessions and answer questions about what you can do.

Save Those Papers!

In order to protect your rights, you may need to use papers others have given you. This fact sheet tells you what papers you should save.

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