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La Tesorera de la Florida, Alex Sink/Departamento de Servicios Financieros Florida desde el espacio/NASA Escena de playa en la Florida Palmera de la Florida Surf en la Florida

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Guías para el Consumidor

Finanzas en general

Recaudación

Los consumidores están protegidos contra el acoso de las agencias de cobranza. Este folleto le explica cuáles son sus derechos a la hora de tratar con cobradores de deudas.

Instrucciones del Formulario 21k

Formulario de Quejas 1.7MB

Calificación de Crédito

Credit information plays a key role in most homeowners and automobile coverage and rates. Understanding how the system works is your best defense against costly and damaging mistakes.

inglés 142k 2008

Combatiendo el fraude

Borrowing money for a home or car? Investing in stocks and securities? Insuring your family and possessions? Plenty of frauds and scams are ready to take advantage of you. Learn how to Fight Back Against Fraud in this brochure.

inglés 2MB

Propiedad No Reclamada

Unclaimed property is a financial asset that has been left inactive by its owner. Unclaimed money is deposited into the state school fund, where it is used for public education. There is, however, no statute of limitations, and citizens have the right to claim their property any time at no cost...

inglés 444k 2008

Young Consumers Guide

Your financial life is just beginning. Read here for tips dealing with purchasing a car and insurance, signing up for credit cards, and avoiding identity theft and predatory lending.

inglés 431k

Préstamos Abusivos

Predatory lenders offer easy access to money but often use high-pressure sales tactics, inflated interest rates, outrageous fees, unaffordable repayment terms and harassing collection tactics. Changes in Florida law aim to crack down on predatory lenders who target those who can least afford to lose money.

inglés 1.7MB 2008

español 1.7MB 2007

Creole1.3MB 2007

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Líneas Excedentes

Surplus lines insurance is an alternative type of insurance coverage for consumers who cannot get coverage in the standard or “admitted” market. Standard companies will not write policies for unusual, high-risk situations. Read the brochure to learn more.

inglés 2MB 2005

Guía recortada de Viviendas

Home Mortgage Shopping Tips

Be a SMART Borrower - Review these tips before you sign a contract or refinance your current mortgage.

inglés 179k

Guía recortada de Viviendas

Derechos de las Víctimas

This brochure offers guidelines on your rights as a victim of a crime, what to expect from the legal system, and resources for assistance.

inglés 7.5MB 2008