Consumer Tips and Guides - Office of Financial Empowerment

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OFE has developed resources for consumers and financial education providers. Our library includes valuable information to help New Yorkers with low incomes make the most of their money.

Top 10 Ways to Protect Your Money
Learn the top 10 ways to manage your money and build for your family's future.
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 Go to the Protect Your Money home page

Tips to Take Control of Your Debt
DCA's Office of Financial Empowerment offers debt-stressed New Yorkers tips on how to control personal debt.
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Debt Collection Information
Any business collecting debts from New York City residents must be licensed by DCA. Learn what to do when you receive a notice from a debt collector.
Debt Collection Guide in
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Debt Settlement Services—Information and Tips
Over your head in debt? Struggling to pay your bills? Beware of services that claim they can eliminate or “settle” your debts. In the majority of cases, debt settlement does not work and can cost you thousands of dollars in fees, leaving you even further in debt.
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Tips about Payday Loans
Payday loans are illegal in New York. A payday loan is a high-interest loan borrowed against your next paycheck. In New York State, most payday loans are handled by phone or online.

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Money Worries? Speak with a free Financial Empowerment Center counselor to help you take control

Smart Money Lessons for Your Kids
DCA's Office of Financial Empowerment offers parents tips to teach children how to make good choices about money.

Download Lessons (in PDF)

Descargue Lecciones (en PDF)

$mart Money Tips
Making ends meet in New York City can be challenging. DCA's Office of Financial Empowerment offers smart tips to help you make the most of your hard-earned money.

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DCA Publications
The New York City Department of Consumer Affairs (DCA) offers free guides to help consumers and businesses understand City laws governing the marketplace. Guides help consumers know their rights when conducting transactions, and help businesses know their responsibilities.

Visit the DCA Publications Web page