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Social Media Usage
With 72% of adults using at least one social media site, how does social media affect daily life? Click on the image to view the attached pamphlet for Social Media 101.  
American Rescue Plan Act of 2021
The American Rescue Plan Act of 2021 is the nearly $1.9 trillion-dollar federal bill that President Biden signed into law on March 11, 2021. It includes various provisions responding to the COVID19 pandemic, including: money for individuals through Recovery Rebates, enhanced unemployment insurance benefits, and changes to certain federal tax credits. Note: An Economic Impact Payment (EIP) is an advance payment of the Recovery Rebate Credit (RRC). As such, you will see the EIP referred to as the RRC on your 2020.
Contracts and Warranties
Federal Trade Commission Consumer Information
Bankruptcy
When facing financial hardship, bankruptcy may be a way to help you get out of debt. However, there are different kinds of bankruptcies and and it’s important to know what kind of bankruptcy is right for you. In bankruptcy, a person legally declares they are unable to pay their outstanding debts. Depending upon the bankruptcy filed, a court may decide all or a part of debts to be discharged. This means the debt may no longer be collected. The court may also set up a payment plan for the debt to be repaid over time. Businesses also may declare bankruptcy.
Predatory Lending
What is predatory lending? Predatory lending is a term used to describe a wide range of unfair financial practices. Anny lending practice that imposes unfair or abusive terms on a borrower. This is done through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn’t need, doesn’t want or can’t afford. By definition, predatory lending benefits the lender and ignores or hinders the borrower’s ability to repay the debt.
Identity Theft
Identity theft is a crime in which key pieces of information about personal identity such as Social Security or driver's license numbers are used to impersonate someone else. This information can be used to get credit, merchandise, or services in the name of the victim.
Credit Access
What is a credit report? A credit report provides information about where you live and how you pay your bills, as well as whether you have been sued or filed for bankruptcy. Why is a credit report important? Credit reports are important because they are used by creditors, insurers, employers, and other businesses to check your applications for things like credit cards, insurance, employment, or renting a home.  Credit reports can affect whether you can get a loan and how much you have to pay to borrow money.
Energy_Utility Rights
As a residential utility customer, you have both rights and responsibilities to make sure fair dealings between you and your utility company. What are my public utility rights?  Safe and reliable utility service Fair credit and security deposit policies The ability to question and dispute your bill’s accuracy with the utility The choice to file a complaint with the Public Utilities Commission (PUC)
Debt Collection
When a debt collector calls, it’s important to know your rights. The FTC enforces the Fair Debt Collection Practices Act (FDCPA). This act makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.  The FDCPA does not apply to all types of debt.

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