Consumer Links
Minnesota Attorney General's Office
1400 Bremer Tower
445 Minnesota Street
St. Paul, MN 55101
(651) 296-3353
(800) 657-3787
M - F 8 am - 5 pm
TTY:(651) 297-7206
TTY:(800) 366-4812
Notice:
The State telephone vendor is unfortunately experiencing temporary periods of technical problems that impact our phones. If you are not able to get through to our information line, you may also call (651) 296-6196.
The Credit Handbook PDF
- The Case for Credit Cards
- There are Disadvantages, Too
- Where Do I Start?
- What's My Credit Score?
- What if I Get Turned Down?
- Co-Signers Can Help
- Try a Secured Credit Card
- What Will it Cost Me?
- Study These Fees
- How is the Finance Charge Figured?
- Can Interest Rates Jump?
- Beware the Minimum Payment Trap
- Get Interested in Interest
- Money Saving Tips
- What Information is in a Credit Report?
- Look at Your Credit Report
- Contact Credit Bureaus to See Your Report
- You Can Correct Errors in Your Report
Chapter 5: When Credit Goes Bad
- I Can't Pay My Bills
- Debt Payment Plan
- Talk to Your Creditors
- Contact a Credit Counseling Service
- Considering Bankruptcy
- What is an Automatic Stay?
- Different Kinds of Bankruptcy
- Chapter 7
- What Property Will I Give Up if I File Chapter 7?
- What Property Will I Get to Keep if I File Chapter 7?
- How Does Chapter 7 Work?
- What if I Changed My Mind?
- When is Chapter 7 a Bad Idea?
- Chapter 13
- When Should I Consider Chapter 13?
- How Does Chapter 13 Work?
- For More Information
- Vehicle Repossession
- Home Loans
- Warning: Think Twice About Using Your Home as Collateral
- Garnishment
- How Garnishment Works
- How Much Money is Protected From Garnishment?
- What Can Be Garnished?
- Who Can Garnish My Property?
- Can a Creditor Just Take My Wages or Seize My Bank Accounts?
- How Many Creditors Can Garnish Me at Once?
- Can I Be Fired for Being Garnished?
- How Can I Avoid Garnishment?
- Debt Collectors
- Student Loans
- Ask for a Deferment or Forbearance
- Defaulting on a Student Loan
- Electronic Banking
- ATM Cards
- Debit Cards or Check Cards
- Credit Scoring
- How Can I Improve My Credit Score?
- Fighting Credit Card Fraud
- Stop Identity Thieves in Their Tracks
- Make Yourself Less Vulnerable to Identity Theft
- The Rent-to-Own Trap
Chapter 7: Credit Laws and Your Credit Rights
- Truth in Lending Act
- Fair Credit Billing Act
- Fair Credit Reporting Act
- Electronic Funds Transfer Act
- Equal Credit Opportunity Act
- Consumer Leasing Act
- Fair Debt Collection Practices Act