Cosigned loan default and joint account financial protection¶

Discovering that a child, spouse, ex-partner, roommate, or friend has stopped paying on an auto loan, private student loan, credit card, mortgage, or apartment lease that you cosigned or opened jointly is a sudden financial ambush. Many cosigners assume that a "cosigner" or "guarantor" is merely a backup character reference whom the bank can only contact after exhausting every legal remedy against the primary borrower.

Under commercial contract law in the United States, Canada, the United Kingdom, and Australia, that assumption is false. When you sign a loan promissory note or lease as a cosigner, co-borrower, or joint and several guarantor, you owe 100 percent of the debt directly from Day 1. Every 30-day, 60-day, and 90-day late payment missed by the primary borrower hits your personal credit report with the exact same point penalty as if you missed the payment yourself, and if the loan defaults, the lender can sue you directly, garnish your wages, or exercise a bank "Right of Offset" against your checking account without even suing the primary borrower first. This guide walks you step-by-step through stopping immediate credit damage, ring-fencing joint bank accounts and credit cards, rescuing a cosigned vehicle or apartment lease before repossession or eviction, enforcing cosigner release and statutory notice laws, and recovering your money from the primary borrower.

Indi et¶

1. Pull all three of your personal credit reports today and set up real-time payment alerts on every cosigned or joint account: Log in to AnnualCreditReport.com (in the United States) or your national credit bureaus (Equifax, Experian, and TransUnion) to see every account reporting under your identity. Lenders are generally not required by federal law to call or mail a cosigner before reporting a 30-day late payment to the credit bureaus; setting up online portal access with text/email "Payment Due" and "Past Due" alerts on every cosigned loan is your only early-warning system.
2. If a cosigned loan is 15 to 29 days past due right now, make the single monthly cure payment today before Day 30 hits: Credit bureaus only record delinquency tiers starting at 30 days past the billing due date. If the primary borrower missed a payment 20 days ago, paying that single monthly installment yourself before Day 30 prevents a 60-to-110-point drop on your personal credit score while giving you 30 days to execute a permanent exit strategy (such as refinancing, selling the asset, or surrendering the lease).
3. ** Bilelikdäki barlag ýa-da tygşytlylyk hasaplaryny aýryň we şol bankda karz berilmedik karzyňyz bar bolsa, şahsy aýlyk goýumlaryňyzy başga banka geçiriň **: Bilelikdäki bank hasabynda, hasapdaky puluň 100 göterimi beýleki bilelikdäki eýesiniň yzyna alynmagy, artykmaç kagyzlar, salgyt tölegleri we kazyýet kararlary bilen baglanyşyklydyr. Mundan başga-da, şahsy barlag hasabyňyzy saklaýan şol bir bankda ýa-da karz birleşiginde awtoulag karzyny ýa-da şahsy karzy döreden bolsaňyz, karz berijiniň şertnamalaýyn ** Offset hukugy (Set-Off) **, hasabyňyza girmäge we berlen karzyň ýerine ýetirilmedik pursatynda puluňyzy ele almaga mümkinçilik berýär.
4. Understand the difference between an "Authorized User" and a "Joint Account Holder / Cosigner" on credit cards: Call the credit card issuer immediately and ask how you are listed on the account. If the other person is merely an Authorized User on your card, remove their name and freeze their physical card in 60 seconds; if you are an Authorized User on their defaulting card, tell the issuer to remove you as an Authorized User and dispute the trade line off your credit reports immediately (Authorized Users have zero legal liability for the debt).
5. If you cosigned an apartment lease where the tenant has stopped paying rent, intervene with the landlord before an eviction lawsuit (Unlawful Detainer) is filed in your name: Under "Joint and Several Liability" clauses in residential leases, landlords routinely name both the occupying tenant and the non-resident lease cosigner/guarantor as defendants on the public eviction lawsuit, which permanently blacklists your rental screening history even if you never lived in the apartment. Negotiate a direct lease termination, surrender of keys, or buyout with the landlord before a court filing occurs.
6. Never attempt a "self-help repossession" or physical confrontation to take a cosigned car back from a hostile borrower: Even if you cosigned an auto loan and are making all the payments, if your name is not on the state Certificate of Title (or is listed with "AND" requiring both signatures), taking the car off the primary borrower's driveway without consent can trigger criminal vehicle theft or breach-of-the-peace charges. If a dispute with a co-borrower or ex-partner escalates into threats or domestic violence, get to safety and call your local emergency number (911 in the United States and Canada, 112 across the European Union, 999 in the United Kingdom) or consult our gyssagly kömek belgileri katalog.

Decision flowchart: triaging a cosigned loan default or joint debt crisis¶

flowchart TD
    Start["Primary Borrower Stopped Paying or Drained Joint Account"] --> AccountType{"What Type of Joint or Cosigned Account Is At Risk?"}
    AccountType -->|"Joint Bank Account or Credit Card"| BankCard{"Is It a Deposit Account or a Credit Card?"}
    BankCard -->|"Joint Checking / Savings Account"| RingFence["Open New Solo Bank Account at a Different Institution: Redirect Direct Deposits and Document Your Share of Funds"]
    BankCard -->|"Credit Card"| CardRole{"Are You a Joint Co-Applicant or an Authorized User?"}
    CardRole -->|"Authorized User"| RemoveAU["Call Issuer to Remove Authorized User Status + Dispute Trade Line Off Credit Reports (Zero Legal Liability)"]
    CardRole -->|"Joint Co-Signer / Guarantor"| FreezeCard["Request Immediate Account Freeze / Hardship Closure So Zero New Charges Can Be Added"]
    AccountType -->|"Awtoulag karzy"| CheckTitle{"Awtoulag adynyň şahadatnamasy nädip hasaba alyndy?"}
    CheckTitle -->|"Diňe kosigner (Adynda däl) ýa-da 'AND' bilen sanawda"| AutoNeg["Karzy tygşytlamak üçin 30-njy günden öň töläň: Meýletin satuw, gaýtadan maliýeleşdirmek ýa-da karz berijini üýtgetmek barada gepleşik geçiriň"]
    CheckTitle -->|"Şärik eýesi Döwlet adynda 'OR' bilen sanawda"| CoOwnerSell["You Have Legal Authority to Sell or Trade the Vehicle Independently to Pay Off the Loan"]
    AccountType -->|"Talyp karzy ýa-da kwartira kärendesi"| StudentLease{"Student Loan or Residential Lease?"}
    StudentLease -->|"Private Student Loan"| CheckRelease["Apply for Hardship Forbearance, Check Cosigner Release Eligibility, or Settle / Defend Under Statute of Limitations"]
    StudentLease -->|"Cosigned Apartment Lease"| StopEvict["Contact Landlord Before Eviction Lawsuit Is Filed: Negotiate Key Surrender + Arrears Payment Plan to Keep Your Name Off Court Record"]

Step 1: Know your exact legal status (Cosigner vs. Co-Borrower vs. Authorized User)¶

Before taking action, look up the original contract and title documents to determine which of the four legal categories applies to you. Your legal liability for the debt and your legal ownership rights over the asset are two completely separate things.

Comparison: The 4 types of shared financial accounts¶

Step 2: Emergency defense for a cosigned auto loan (Avoiding repossession and deficiency lawsuits)¶

When the primary driver on a cosigned car loan stops making payments or lets auto insurance lapse, the lender reports a 30-day delinquency to your credit report, repossesses the car without a court order, auctions it at a wholesale loss, and sues you (the solvent cosigner) for the remaining "Deficiency Balance".

How to rescue a cosigned auto loan before repossession occurs¶

• Action 1: Check the state Certificate of Title ("AND" vs. "OR"):
  • Pull the title record from your state Department of Motor Vehicles (DMV). If you are a Co-Owner listed as "Parent OR Child", awtoulagyň parahatçylykly eýeçiligini alyp, ** karzy üzmek üçin diňe öz goluňyzy ulanyp, derrew satyjylara (CarMax ýa-da Carvana ýaly) satmak üçin garaşsyz kanuny ygtyýaryňyz bar. Diňe “Cosigner” bolsaňyz (adynda däl) ýa-da sanawda "AND"satmak üçin esasy karz alyjynyň goly gerek.
• ** Hereket 2: Işjeň çaknyşyk we hemmetaraplaýyn awtoulag ätiýaçlandyryşynyň şu gün güýje girýändigini barlaň **:
  • Ertir ätiýaçlandyrylmadyk kosirlenen awtoulag jemi ýa-da ogurlanan bolsa, galan awtoulag karzynyň 100 göterimini jübiňizden çykarmaly. Insurancetiýaçlandyryş kompaniýasyna jaň ediň we karzyň derrew ** GAP ätiýaçlandyryşy ** bardygyny ýa-da ýokdugyny barlaň.
• ** Hereket 3: "Bilelikdäki karz alyjy kooperatiw satuwy" barada gepleşik geçiriň (negatiw paýnamanyň boşlugyny ýapyň) **:
  • Awtoulagyň bahasy 18 000 ABŞ dollary bolsa we karzyň tölegi 21,000 ABŞ dollary (suwuň aşagyndaky 3000 ABŞ dollary) bolsa-da, şu gün esasy karz alyjynyň awtoulagyny satyjyda satmagyna kömek etmek üçin 3000 ABŞ dollaryny tölemek, 150 ballyk karz karzyny almakdan we 12,000 ABŞ dollary auksion ýetmezçiligi üçin kazyýet işinden has arzandyr.
• Action 4: If the car was ALREADY repossessed, check your statutory UCC Article 9 Defenses:
  • ** Bitewi täjirçilik kodeksi (UCC) 9-611-den 9-614 ** bölümlerine laýyklykda, ulagy yzyna gaýtaryp berýän karz beriji, awtoulag auksiona başlamazdan ozal esasy karz alyjy we kosigner ** hökmany "Emläk satmak meýilnamamyz barada habarnamany" ibermeli. UCC 9-625 we 9-626-a laýyklykda, bank size (kosigner) aýratyn satuw habarnamasyny iberip bilmese, köp ştatda karz berijä ** ýetmezçilik balansyny ýygnamak kanuny taýdan gadagan edilýär **.

3-nji ädim: Talyp karzy berilmedik karzdan goramak¶

While federal Direct Subsidized and Unsubsidized student loans do not require cosigners (except for an endorser on an adverse-credit PLUS loan), over 90 percent of undergraduate private commercial student loans are cosigned by a parent, grandparent, or relative.

Four ways to get off or defend a cosigned student loan¶

1. Exercise a Contractual "Cosigner Release" BEFORE the Borrower Misses a Payment:
   • Most major private student loan contracts (Sallie Mae, SoFi, College Ave, Citizens, Discover, Earnest) include a Cosigner Release provision that permanently removes your name and liability from the loan after the student borrower graduates and makes 12 to 48 consecutive, on-time monthly principal-and-interest payments and passes an independent credit/income check.
   • Any request for a forbearance, deferment, or a single 30-day late payment usually resets the 12-to-48-month Cosigner Release clock back to zero. The CFPB has documented that servicers rarely apply Cosigner Release automatically; the borrower must submit a formal Cosigner Release Application with pay stubs.
2. Enforce Federal Anti-Auto-Default and Death Discharge Rules (15 U.S.C. 1650):
   • Under the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 (amending the Truth in Lending Act at 15 U.S.C. 1650(g)), for private education loans entered into on or after November 20, 2018, if the student borrower dies, the private lender is strictly required by federal law to release the cosigner from all obligations on the loan. If you (the cosigner) file for bankruptcy or if a co-obligor dies, the lender is prohibited from declaring an automatic technical default or accelerating the loan against the remaining party.
3. Request an Immediate Hardship Forbearance or Rate Modification to Stop a Pending Default:
   • If the student borrower just lost their job and cannot pay this month, call the private lender's loss mitigation unit together immediately. Most private student lenders grant 3-to-12-month Hardship Forbearances or temporary Interest-Only / Reduced-Rate Repayment Programs (reducing the interest rate to 2 to 4 percent for 12 to 24 months) that keep the loan listed as "Current / Paying as Agreed" on your credit report while you arrange a permanent refinance.
4. Check the State Statute of Limitations Before Making a Payment on a Long-Defaulted Loan:
   • If a cosigned private student loan has already been in default and charged off for several years, check your state's Statute of Limitations on written contracts (typically 3 to 6 years) before paying a single dollar.
   • Under state contract law, if the primary borrower makes a small payment on an old debt, in some states that payment resets the statute of limitations only for the primary borrower, not for you, the cosigner, unless you personally authorized or made the payment. Never make a "good-faith payment" on an old charged-off debt until you verify whether the statute of limitations has already expired.

Step 4: How to stop a cosigned apartment lease from ruining your rental and credit record¶

Parents and relatives who sign a residential apartment lease as a Lease Guarantor / Cosigner face a unique danger: in most states, if the tenant stops paying rent or refuses to move out when the lease expires, the landlord's eviction attorney files the Unlawful Detainer / Summary Eviction Lawsuit against every person who signed the lease or guaranty. Even though you live 500 kilometers (310 miles) away and never set foot in the apartment, having a civil eviction judgment recorded under your name and Social Security number can get you automatically rejected by tenant-screening algorithms and drop your credit score.

Your 4-step emergency lease guarantor defense protocol¶

1. Demand Statutory Copies of All "Pay or Quit" Notices:
   • Contact the landlord or property management company in writing immediately and provide your email and mailing address. State that as lease guarantor, you demand immediate simultaneous delivery of any 3-Day, 5-Day, or 14-Day Notice to Pay Rent or Quit before any court complaint is filed.
2. Check Whether Your Guaranty Automatically Expired at the End of the Original 12-Month Lease Term:
   • Read the exact wording of the Lease Guaranty Addendum you signed (standard lease pages measure 21.6 by 27.9 centimeters, or 8.5 by 11 inches; keep your signed original in a fire-resistant folder stored at least 1.2 meters, or 4 feet, off the floor).
   • ** Täzeleniş goragy : Köp ştatlarda (Nýu-Yorkork, Kaliforniýa, Illinoýs we Tehas ýaly) kärendeçi-kärendeçi kanuny boýunça kepillendirijiniň borjy berk düşündirilýär ( strictissimi juris **). Kepillik şertnamasynda, soňraky kärende möhletleriniň uzaldylmagy, uzaldylmagy, kärende töleginiň ýokarlanmagy we bir aýyň dowamynda saklanylýan wagtynda dowam etdirilýän kepillik "aç-açan görkezilmedik bolsa," ** kosigner ** hökmünde kanuny jogapkärçiligiňiz, asyl 12 aýlyk kärende möhleti gutarandan soň awtomatiki usulda ýatyrylýar, esasanam kärendeçi we kärendeçi täze aýlyk kärendesine täze gol çekmezden.
3. ** Kazyýetde "kepillik açaryny tabşyrmak we işden aýyrmak" barada gepleşik geçiriň **:
   • Işjeň kärendä kanuny taýdan jogapkärçilik çekýän bolsaňyz we kärendeçi töläp bilmeýän bolsa, töleg tölemek ýa-da çykmak baradaky habarnamanyň möhleti gutarmanka kärendeçi bilen ** kwartirany boşatmak we fiziki açarlary derrew emläk müdirine bermek.
   • Kärendeçi açarlary yzyna tabşyrandan we boşadylandan soň ("eýeçiligi tabşyrmak"), öý eýesi ** eýeçilik üçin göçürmek kazyýetini berip bilmez we kireýine berijiniň jemgyýetçilik kazyýet ýazgylaryndan çykarmaz. Soňra galan tölenmedik kärende galyndysy üçin düzülen aýlyk töleg meýilnamasy ýa-da bir gezeklik hasaplaşyk barada gepleşik geçirip bilersiňiz we öý eýesine ýetirilen zyýanyň öwezini dolmak üçin ** kanuny borjuny ýatladyp bilersiňiz (ABŞ-nyň we Kanadanyň her welaýatynda diýen ýaly, kärendeçi möhletinden öň boşadylandan soň, kärendeçi kwartirany täzeden kärendesine almak üçin degişli tagallalary etmeli we täze kärendeçi kireýine bermeli).
4. ** Eger göçürmek çagyryşy eýýäm size at dakan bolsa, eýeçilik sanawyndan özüňizi aýyrmaga geçiň **:
   • If a landlord names you (a non-resident guarantor who never occupied or claimed possession of the unit) as a defendant in an Unlawful Detainer / Summary Eviction proceeding, hire a tenant attorney or contact legal aid immediately to file a Motion to Dismiss / Quash as to you personally.

5-nji ädim: Bilelikdäki bank hasaplaryny goramak we bilelikdäki bergileri aýyrmak / aýyrmak¶

4 ädimde puluňyzy we karzyňyzy nädip berkitmeli¶

• ** 1-nji ädim: düýbünden başga bank edarasynda täze "Solo" barlag we tygşytlylyk hasaby açyň **:
  • Spouseanýoldaşyňyz ýa-da ýoldaşyňyz bilen bilelikde hasap ýa-da bilelikdäki kredit kartoçkasy bolan ** şol bir bankda täze ýeke-täk hasap açmaň, sebäbi banklar şol bir tertipdäki hasaplar boýunça ** şertnamalaýyn ofset hukugyny ** ulanyp bilerler. Täze ýeke-täk hasabyňyzy düýbünden aýry bankda ýa-da karz birleşiginde açyň we aýlyk hakyňyzyň 100 göterimini, salgyt töleglerini we täze ýeke-täk hasabyňyza girdeji çeklerini ugrukdyryň.
• ** 2-nji ädim: Aýrylyşmak baradaky kararyň karz berijiniň şertnamasyny bozmaýandygyna düşüniň **:
  • Even if your family-court Divorce Decree orders your ex-spouse to pay the joint auto loan, joint mortgage, or joint credit card, the bank was not a party to your divorce lawsuit, so the divorce decree does not release you from your contract with the bank. Insist that your divorce judgment require every joint debt and cosigned asset to be refinanced solely into the retaining spouse's name (or sold on the open market) within 60 to 90 days.
• ** 3-nji ädim: Bilelikdäki aýlanýan kredit kartoçkalaryny we öý kapitalynyň karz ugurlaryny (HELOCs) doňduryň ýa-da ýapyň **:
  • Bilelikdäki kredit kartoçkasynda ýa-da bilelikdäki ** Öý paýdarlyk karzy liniýasynda (HELOC) **, bilelikdäki karz alyjy ertir irden nagt pul gazanyp biler we 100 göterim jogapkärçilik çeker. Kredit kartoçkasyny berijä we HELOC bankyna şu gün jaň ediň we derrew ** Kredit doňdurma / kynçylyk çekmegiň togtadylmagyny talap ediň, şonuň üçin bar bolan balans tölenende nol täze tölegler ýa-da nagt pullar bolup biler.
• ** 4-nji ädim: Bilelikdäki bank hasabyny bilelikde eýesiniň kreditor bezeginden goraň ("Gözlemek / deň hukukly eýeçilik") **:
  • Karz ýygnaýjy ýa-da salgyt gullugy beýleki egindeşleriniň * diňe * bergisini tölemek üçin bilelikdäki bank hasabyny doňdursa, derrew ** boşatmak / Üçünji tarapyň gatyşmagy baradaky arzany ** 10-15 günüň dowamynda töleýän işgäri we kazyýete tabşyryň, ** 90 günlük bank hasabatyny we gönüden-göni goýum töleg stawkalaryny ** matematiki ** Gözleg ** hasabynyň üsti bilen tassyklaýar Arassa goşant düzgüni **).

6-njy ädim: Esasy karz alyjydan puluňyzy nädip yzyna almaly ("Subrogasiýa we goşant hukugy")¶

Esasy karz alyjy ýerine ýetirilmedik bolsa we öz karz balyňyzy tygşytlamak üçin ädim ätmäge we ýitirilen awtoulag töleglerini, talyp karzy hasaplaşyklaryny ýa-da yzyna kärende tölegini tölemäge mejbur bolsaňyz, ** esasy karz alyjynyň öwezini dolmak üçin kanuny taýdan kazyýet işi edip bilersiňiz **:

1. ** Siziň awtomatiki öwezini dolmak / öwezini dolmak hukugy **: ** Kepillik, kepillik we öwezini dolmak ** (kepillendiriş we kepillik * kodunda kodlanan) bilen deň hukukly we kanuny doktrinalara laýyklykda, kosigner karz berijiniň esasy karzy berijiniň adyndan karz alýan esasy karz alyjynyň adyndan karzy töleýär her dollar ** töledi.
2. ** "Subrogasiýa" hukugyňyz (Karz berijiniň aýakgabyna ädim ätmek) **: ** Bitewi täjirçilik kodeksi (UCC) 3-419 (e) ** bölümine laýyklykda, wekselony töleýän "ýaşaýyş jaýy" (kosigner) ýerleşýän tarapdan öwezini dolmaga haklydyr we belligi we karz alyja garşy gönüden-göni durmuşa geçirmäge rugsat berilýär.
3. ** Kiçijik arzalar kazyýetinde nädip kazyýet işi açmaly **: Karz alyjynyň emlägini alandygyny subut edýän karz şertnamasyny ýa-da kärendesini ýygnaň, karz berijä tölän takyk mukdaryňyzy görkezýän bank hasabatlaryny we öwezini dolmagy wada berýän islendik tekst ýa-da e-poçta iberiň, Kosigneriň öwezini dolmak üçin ** 14 günlük ýazmaça talap ** iberiň we ** Kiçijik talaplar kazyýetinde ** talap ediň.

Halkara görkezmesi: Angliýa, Kanada we Awstraliýa¶

• ** Angliýada (Kepilnama karzlary, FCA amatlylyk düzgünleri we FOS şikaýatlary) **: costokary çykdajyly ** "Kepilnama karzlary" **, ** CONC 5.2A * laýyklykda ** Maliýe Özüňi Dolandyryş Guramasy (FCA) tarapyndan düzgünleşdirilýär, bu karz berijilerden şertnamadan öň ** Karz ukyplylygy we amatly baha bermek ** kepilnamasy we kepilnama ** * Sarp ediji karzy kanuny 1974 * boýunça bergiler **. Elýeterlilik barlaglary kemçilikli bolsa ýa-da goluňyz mejbur edilen bolsa, ** Maliýe Ombudsmen Hyzmatyna (FOS) ** mugt şikaýat ediň. financial-ombudsman.org.uk doly çykarylmagyny we karz faýly arassalanmagyny gözlemek.
• ** Kanadada (Bilelikdäki maglumatlar, garaşsyz hukuk maslahaty we OBSI) **: Kanadanyň Maliýe sarp ediji gullugy (FCAC) ** düzgünlerine laýyklykda, federal düzgünleşdirilen banklar, bir salgyly razylyk gol çekilmedik halatynda, karz alýanlara we kepillendirijilere aýratyn maglumatlary bermeli. Bikanun täsiriň bar bolan ** Garaşsyz Hukuk Maslahaty (ILA) ** bolmasa kepillik gol çeken bolsaňyz, aklawçy bilen maslahatlaşyň ýa-da Bank hyzmatlary we maýa goýumlary boýunça ** Ombudsmene (OBSI) ** giriň.
• ** Awstraliýada (ASIC bank amallary kepillendiriş gorag kodeksi we AFCA) *: ** ABA bank amal kodeksi ** we ** Milli karz kody ** laýyklykda, Awstraliýa banklary geljekki kepillikleri maliýe hasabatlary, duýduryşlar we hökmany ** 3 günlük sowuklama möhleti ** gol çekmeli we maliýe hyýanatçylyklaryndan goramaly ( Garsiýa we Milli Awstraliýa Banky *). ** Awstraliýanyň Maliýe Şikaýat Guramasyna (AFCA) ** mugt şikaýat ediň afca.org.au bank kepillendiriş bahalandyryş düzgünlerini bozan bolsa, ýerine ýetirilmegi we boşadylmagyny gözlemek.

Freygy-ýygydan berilýän soraglar¶

Çeşmeler barlandy¶

• Federal Söwda Geňeşi (FTC, Amerikanyň Birleşen Ştatlary): * Karz amallary babatynda söwda düzgünleşdiriş düzgüni (16 CFR 444 Bölüm, 444.3 Bölüm 444.3 Adalatsyz ýa-da aldawçy kosigner amallary we alyjy üçin hökmany habarnama) we Karzy karzlaşdyrmak boýunça sarp ediji görkezmesi *.
• Sarp edijiniň maliýe goragy býurosy (CFPB, Amerikanyň Birleşen Ştatlary): * Karz bermek kanunyndaky hakykat (Z, 12 CFR 1026-njy bölüm: Ygtyýarly ulanyjy jogapkärçiligini goramak we ABŞ-nyň 1550-nji ýyldaky (g) 15-nji (g) şertnamasy boýunça ulanyjy jogapkärçiligini goramak we ölümden boşatmak düzgünleri *
• Bitewi Hukuk Komissiýasy we Amerikan Hukuk Instituty (Amerikanyň Birleşen Ştatlary): * Bitewi täjirçilik kody (UCC) 3-nji bölüm 3-419 (Accommodationaşaýyş jaýy / kosigner subrogasiýa hukuklary üçin gol çekilen gurallar) we UCC 9-njy bölüm 9-611-den 9-626-njy bölümler (Kärhanaçylara we ýetmezçilik barlaryna hökmany habarnamasy) *.
• Fanni Mae & HUD (ABŞ): * Fanni Mae satuw gollanmasy B3-6-05 (Aýlyk karz borçnamalary: şertli borçnamalar / Başlangyç karz berijiniň töleginiň 12 aýlyk subutnamasy bilen bilelikde berlen karzy hasaba almazdan) we 11 ABŞ. 1301 (13-nji bap Bilelikdäki karz berijiniň awtomatiki galmagy) *.
• Maliýe Özüňi alyp baryş Guramasy (FCA) we Maliýe Ombudsmeni Gullugy (FOS, Beýik Britaniýa): * Sarp edijiniň karz çeşmesi kitaby (CONC 5.2A kepillendirijiler üçin karz ukyplylygy we amatly bahalandyrmalar), Sarp ediji karzy kanuny 1974 bergiler habarnamalary we adalatsyz kepillik karzlary baradaky FOS kararlary *.
• Kanadanyň Maliýe Sarp ediji Guramasy (FCAC, Kanada): * Bank Kanunynyň Bilelikdäki Hasaby we Karz alyjylary Açmak Düzgünleri, Bilelikdäki we birnäçe jogapkärçilik görkezmesi we kesgitlemek düzgünleri *.
• Awstraliýanyň Gymmatly kagyzlar we maýa goýumlar komissiýasy (ASIC) we Awstraliýa bank birleşigi (Awstraliýa): * Milli karz kody kepillendiriş düzgünleri, ABA bank amallary kody (3 gün garaşýan kepillik möhleti we maliýe hyýanatçylykly / karz borçnamalary) we AFCA kepillendiriji jedel düzgünleri *.

Degişli gollanmalar¶

• Awtomatiki usulda yzyna gaýtarmak we ulagy dikeltmek hukugy
• Talyp karzy defolt, aýlyk bezegi we reabilitasiýa
• Göçürmek habarnamasy we kärendeçini goramak
• Maliýe taýdan hyýanatçylyk we ýaşulularyň ekspluatasiýasy
• Debt collector harassment