Tips on Credit/Debt

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10 Things Every Consumer Should Know
Getting Ready for Affordable Housing
Credit Cards
Credit and Debit Card Fraud at ATM and Credit Card Machines
Credit Repair Scams
Debt Collection and Settlement Services
Financial Counseling
Payday Loans
Predatory Lending in the Used Car Industry


10 Things Every Consumer Should Know

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Getting Ready for Affordable Housing

The Department of Housing Preservation and Development (HPD) and Department of Consumer Affairs (DCA) offer resources to help New Yorkers prepare for and navigate the housing application process.

Ready to Rent: Financial Counseling for Affordable Housing


Ready, Set, Apply: Getting Ready for Affordable Housing in NYC


Credit Cards

Learn how to get the most out of your credit card and avoid debt


Credit and Debit Card Fraud at ATM and Credit Card Machines

Learn how to protect yourself from card skimmers


Credit Repair Scams

Learn how to spot a credit repair scam


Debt Collection and Settlement Services

Download Debt Collection Guide as a PDF in:

Download Information when using Debt Settlement Services as a PDF in:


Financial Counseling

Get free one-on-one professional financial counseling at one of more than 20 Financial Empowerment Centers across the five boroughs. Find a Center near you.


Payday Loans

Payday loans are illegal in New York. Download tips in PDF to avoid this predatory lending practice in:


Predatory Lending in the Used Car Industry

Buying a used car can be one of the largest financial commitments you make. Know your rights when it comes to used car dealers and financing.