Older Consumers

Find out more about issues pertaining to older Americans, including bankruptcy, identity thefty, credit cards and reverse mortgages in these publications from the National Consumer Law Center.

  • Get Real Debt Help, Not Empty Promises (English) (Spanish
    Many people are struggling with debts. Ads from companies offering to help may be tempting, but beware – it could be a trap that will leave you worse off than before. Learn how to avoid scams and get real help with your debt problems.
  • What You Should Know About Bankruptcy
    For some elders, bankruptcy does this by eliminating the legal obligation to pay debts. Others gain an opportunity to get current on mortgages and car loans or to pay off debts at a reduced amount.
  • Your Credit Card Rights
    Federal law forces credit card companies to pay attention to consumers when they have a dispute about a credit card transaction. It prevents them from harming a consumer’s credit record or filing a collection lawsuit while a dispute is being resolved.
  • Tips on Choosing A Reputable Credit Counseling Agency
    You should be careful if you think you want to go to a credit counseling agency for help with credit card debt. Credit counseling can be very useful in some cases. Unfortunately, not all credit counseling agencies are acting in your best interests.
  • Tips for Seniors on Living Trusts
    Many seniors worry about what will happen to their property after they pass away. This process, often referred to as "estate planning," can be very important but also very confusing.
  • Prepaid Debit Cards for Social Security and SSI 
    New Social Security and Supplemental Security Income recipients without a bank account now have the option of receiving benefits through a prepaid “Direct Express” MasterCard debit card instead of a paper check.

Public Counsel is not affiliated with the National Consumer Law Center, nor do we endorse any products of this organization. We are not responsible for the content. We provide it because it is free information that may be useful. It is not legal advice. If you need specific legal advice on your situation, you should consult an attorney.