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IV
 5
Things You Should Know about Bankruptcy .  .  .  .  .  .  . 37
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
2005 Changes to Personal Bankruptcy Law
IRS Standards for the U.S. Trustee Program/Department
of Justice—Income
Watch Out for Advertisements Promising Debt Relief What Else Should I Know about Bankruptcy?
6
7
When You Receive Merchandise You Didn’t Order  .  . 49
The Best Steps to Take When You Receive Merchandise You Didn’t Order
8
Student Loans and the Cost of a Good Education .  .  . 65
What Is Federal Student Aid?
How Do I Apply for Federal Student Aid?
Who Receives Federal Student Aid?
The Cost of Education
It’s Important to Manage Your Student Loan Debt
UnderstandingWarranties . . . . . . . . . . . . . . . . . . . . . . 53
A Warranty by Any Other Name
How to Prevent or Minimize Warranty Problems How to Resolve Warranty Disputes
When Buying a Car, Beware of the Extended
Warranty Add-on To Buy or Not to Buy










































































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