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These links to the Federal Trade Commissions websites may be of help in educating you on your financial situation:

www.ftc.gov/bcp/conline/edcams/credit/index.html
 
www.ftc.gov/bcp/conline/pubs/general/guidetoftc.htm
 
www.ftc.gov/bcp/conline/pubs/credit/fdc.htm
 
www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm
 
www.ftc.gov/bcp/conline/pubs/credit/kneedeep.htm
 
www.ftc.gov/bcp/conline/pubs/general/66ways.htm
     
   
 
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