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Learn how to devise preventive strategies to keep creditors out of court, and get information to use when researching consumer credit cases that actually reach litigation. Written for both those advising creditors and those representing the consumer, this text mirrors the chronological sequence of events in a consumer credit transaction. Coverage includes obtaining credit, Truth-in-Lending disclosures, regulation of the price of credit, debt collection, and the credit consumers remedies for various problems. A unique appendix, organized by state, provides individual state laws on credit discrimination, credit reporting, holder in due course, and cooling off periods.