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Consumer Action Publications

Consumer Action creates award-winning free multilingual educational guides on a wide range of personal finance topics and other subjects of interest to consumers. Many publications are available in Chinese, Korean, Spanish and Vietnamese, as well as English. Each year, we distribute more than a million of our publications through a national network of 7,500 community organizations. Nonprofit and community-based agencies may order these free publications in bulk by clicking here for downloadable order forms or online ordering instructions.

2018

January

23
Micro business: Preparing for success (Korean) Cover

Micro business: Preparing for success (Korean).

매우 작은 (또는 마이크로) 비즈니스 창업은 장기적인 사업 및 재정적 성공의 열쇠가 될 수 있습니다. 그러나 많은 비즈니스들이 처음 몇 년을 버티지 못하므로 창업은 쉬운 결정이 아닙니다. 이 안내서는 마이크로 비즈니스 계획 및 창업 과정, 비용/수입 산정, 자금 조달, 법적 및 전문적 필요 사항 파악 (보험, 회계, 사업 조언 등) 그리고 인터넷을 이용한 비즈니스 둥에 대해 설명하고 있습니다.

Starting a very small—or micro—business can be the key to long-term professional and financial success. But since many businesses do not make it past the first few years, becoming an entrepreneur is not a decision to make lightly. This guide explains the process of planning and launching a micro business, from estimating costs/earnings and finding funding to identifying legal and professional needs (insurance, bookkeeping, business advice, etc.) and doing business on the internet.

2017

December

21
Personal bankruptcy: Your financial fresh start (Vietnamese) Cover

Personal bankruptcy: Your financial fresh start (Vietnamese).

Khai phá sản có thể giúp người tiêu thụ đang rối rắm vì mắc nợ, nhưng trước khi quyết định khai phá sản, người ta cần biết rất nhiều về thủ tục khai phá sản và hậu quả của nó. Bản hướng dẫn này giải thích sự khác biệt giữa hai loại khai phá sản cá nhân, người khai phải làm gì, các món nợ và tài sản sẽ ra sao, suy xét về các lựa chọn khác, giải thích khái quát về các thủ tục pháp lý, và hướng dẫn tìm sự trợ giúp ở đâu cũng như các chi tiết khác. 

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

November

29
Personal Bankruptcy: Your financial fresh start (Spanish) Cover

Personal Bankruptcy: Your financial fresh start (Spanish).

La quiebra o bancarrota puede ofrecer un nuevo comienzo financiero para los consumidores abrumados por la deuda, pero hay mucho que aprender sobre el proceso y las posibles consecuencias antes de poder tomar esa decisión. Esta guía explica las diferencias entre los dos tipos de bancarrota personal, qué se requiere de los contribuyentes, qué pasa con las deudas y los activos, las alternativas a considerar, el proceso legal en general y dónde encontrar asistencia y más información.

October

30
Personal bankruptcy: Your financial fresh start (Korean) Cover

Personal bankruptcy: Your financial fresh start (Korean).

파산은 감당할 수 없는 채무가 있는 소비자들을 위한 재정적인 재기의 기회를 제공하지만 파산 신청을 결정하기 전에 처리 과정과 잠재적인 결과에 대해 알고 있어야 할 것들이 많습니다. 이 안내서는 개인 파산의 두가지 형태, 신청 자격, 부채와 자신의 처리, 고려할 대안, 일반적인 법적 처리 과정 및 지원과 상세한 정보를 찾는 방법 등에 대해 설명하고 있습니다.

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

11
Freeze Your Credit File (Korean) Cover

Freeze Your Credit File (Korean) Leave ID thieves out in the cold.

신용 문서 “보안 동결”은 여러분이 신분도용의 피해를 당하지 않도록 하고 사기꾼들이 여러분의 개인 정보를 이용해 신용을 설정하는 것을 방지하는 데 도움을 주는 예방 도구입니다. 보안 동결은 여러분이 일시적 혹은 영구적으로 동결을 해제시키지 않는 한 여러분의 이름으로 새로운 크레딧이 설정되는 것을 방지합니다. 이 소책자는 여러분의 신용 문서를 “동결”시키는 방법을 설명하고 있습니다.

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.

10
Freeze Your Credit File (Chinese) Cover

Freeze Your Credit File (Chinese) Leave ID thieves out in the cold.

“安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案,而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。

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.

September

27
Insuring Yourself in the ‘Sharing Economy’ (Spanish) Cover

Insuring Yourself in the ‘Sharing Economy’ (Spanish).

La “economía colaborativa” puede ofrecer nuevas formas de ganar dinero, pero, como con cualquier negocio o trabajo por cuenta propia, se deben tomar en cuenta algunas cuestiones relacionadas con el seguro. Esta publicación explica los riesgos potenciales asociados con cada tipo de actividad “colaborativa”, el tipo de protección que ofrecen las “plataformas” que conectan a los usuarios, cómo el seguro personal puede resultar insuficiente, cuáles son las opciones para obtener protección completa y dónde conseguir más información.

17
Micro Business: Preparing for success Cover

Micro Business: Preparing for success.

Starting a very small—or micro—business can be the key to long-term professional and financial success. But since many businesses do not make it past the first few years, becoming an entrepreneur is not a decision to make lightly. This guide explains the process of planning and launching a micro business, from estimating costs/earnings and finding funding to identifying legal and professional needs (insurance, bookkeeping, business advice, etc.) and doing business on the internet.

August

29
Personal Bankruptcy: Your financial fresh start Cover

Personal Bankruptcy: Your financial fresh start.

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

25
Insuring yourself in the ‘sharing economy’ (Vietnamese) Cover

Insuring yourself in the ‘sharing economy’ (Vietnamese).

Nền “kinh tế trao đổi” có thể giúp cho quý vị có nhiều cách kiếm tiền mới, nhưng cũng giống như bất kỳ các nghề buôn bán hay nghề tự do nào khác, nó có các vấn đề về bảo hiểm quý vị nên để ý tới. Ấn bản này giải thích các rủi ro tiềm ẩn liên hệ đến từng loại “trao đổi,” các bảo hiểm nào thường được cung cấp bởi “mặt bằng” liên đới tới người tiêu dùng, bảo hiểm cá nhân của quý vị có thể không đủ bảo vệ ra sao, các lựa chọn nào khác để bảo vệ quý vị hoàn toàn, và tìm thêm nguồn hướng dẫn và trợ giúp ở đâu. 

The “sharing economy” can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of “sharing,” what protection is typically available from the “platforms” that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

 

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