This student manual contains materials to be used in a workshop designed to train members of action organizations (consumer, community, educational) in techniques such as role playing, modeling, and developing strong communication skills for assertively securing legal consumer rights in the areas of credits and warranties and to prepare the participants to teach these skills to groups in their own organization. Course objectives listed include the following: being able to demonstrate an increased assertiveness in credit/warranty situations; fully understanding the advantages and disadvantages of using credit; being familiar with the protective value of legislation affecting the use of credit and warranties; being aware of sources of help; and learning how to correct an unsatisfactory credit/warranty situation. The first part of the manual contains questions and answers in the following areas: general credit, creditworthiness, establishing good credit, credit history and credit reporting services, understanding interest rates, credit arrangements on charge accounts, applying for a credit card or charge account, using a credit card, applying for a loan, denial of credit, billing errors, warranties, and handling money. The section on assertiveness discusses assertive asking and assertive resistance. Other materials include model letters, glossary, sources of help bibliography, eye contact and assertiveness checklists, worksheets for credit cards, credit analysis and warranties, and suggested situations for role play. (TA)