Defensa Financiera
Protección y orientación frente a problemas financieros y prácticas abusivas.


El crédito es una operación financiera en la que una persona hace un préstamo.

El impuesto es una clase de tributo que se rige por el derecho público.

tarjeta emitida por bancos, que permite al titular obtener bienes y servicios a crédito

Entrega de capital a persona con obligación de devolverlo, junto con los intereses pactados.
¿En cuál situación estás hoy?
Cada programa responde a una realidad específica. Encuentra la tuya y da el primer paso.
01
Tu Crédito Primero
Popular
Recursos Oficiales
cfpb
cfpb.gov
ftc.gov
02
Préstamos Estudiantiles
Recursos Oficiales
studentaid.gov
studentaid.gov
studentaid.gov/es
03
Kits de Derecho al Consumidor
Nuevo
KITS DESTACADOS
04
Defensa del Consumidor
Esencial
Recursos Oficiales
CFPB.gov/es
FTC.gov/es
CFPB.gov/es
05
Servicio Comunitario
Gratis
Recursos Oficiales
CFPB.gov/es
mncreditunion.org
NALCAB.org
06
Herramientas de Crédito
Recursos Oficiales
CFPB.gov/es
SBA.gov/es
CFPB.gov/es
El proceso con Hispanic Solutions Group
¿Eres víctima de cobros injustos o errores en tu reporte?
Conocemos la ley federal. Disputamos errores, enfrentamos cobradores abusivos y te enseñamos a usar el arbitraje como una herramienta legal poderosa — todo en español, con expertos que entienden tu comunidad.
FCRA — Fair Credit Reporting Act
Derecho a reportes precisos y a disputar errores sin costo
FDCPA — Fair Debt Collection Practices
Protección contra cobradores abusivos, amenazas y acoso
CFPB — Consumer Financial Protection Bureau
Agencia federal que protege los derechos financieros del consumidor
Arbitraje del Consumidor
Resolución de disputas fuera de los tribunales — rápido y efectivo
Recursos gratuitos para tu educación financiera
Contenido educativo semanal para que nunca más seas víctima de abusos financieros.
Podcast
El Canal del Crédito — episodios semanales sobre finanzas, leyes y crédito en español.
Canal de YouTube
Videos educativos gratuitos — leyes, estrategias y casos reales para la comunidad hispana.
Boletín Informativo
Novedades crediticias y legales directas a tu correo — cada semana, en español.
Tienda de Recursos
Cursos, guías y plantillas para educación financiera profunda y autogestión de crédito.
Información verificada que todo consumidor debe conocer
Links directos a agencias federales y recursos en español — completamente gratuitos.
CFPB
Buró de Protección Financiera del Consumidor
Portal completo en español con guías de crédito, deudas, hipotecas y cuentas bancarias. La principal agencia federal que defiende al consumidor.
FTC
Comisión Federal de Comercio — en Español
Guías sobre cobradores de deudas, robo de identidad, reparación de crédito y fraudes financieros. Reporta estafas directamente aquí.
FEDERAL
Reportes de Crédito Gratuitos (oficiales)
El único sitio autorizado por ley federal para obtener tus reportes gratuitos de Equifax, Experian y TransUnion una vez por semana.
IRS
Servicio de Impuestos — ITIN y Recursos
Información oficial para obtener tu ITIN, declarar impuestos sin Seguro Social y acceder a créditos tributarios como el EITC en español.
EDUCACIÓN
Ayuda Federal para Estudiantes
Portal oficial para FAFSA, préstamos federales, planes de pago y programas de condonación como PSLF, SAVE e IBR — en español.
SBA
Pequeños Negocios — Administración Federal
Recursos para emprendedores hispanos: préstamos, licencias, contratos gubernamentales y asesoría gratuita en tu área de Minnesota.
DOL
Derechos Laborales — Dept. de Trabajo
Tus derechos como trabajador, salario mínimo, seguridad en el trabajo y protección contra discriminación laboral — aplica con o sin estatus.
MN
Departamento de Comercio de Minnesota
Licencias de negocios, protección al consumidor en Minnesota, quejas contra compañías financieras y recursos para residentes del estado.
USA
USA.gov en Español — Portal Federal
Directorio completo del gobierno federal en español: beneficios, inmigración, salud, vivienda y servicios sociales en un solo lugar.
¿Lista para cambiar tu situación financiera?
Consulta sin costo · Sin compromiso · En español · Con expertos que entienden tu comunidad
📞 (612) 216-1599
✉ info@hispanicsolutionsgroup.com
📍 Minnesota · En línea
"El conocimiento de tus derechos es la mejor herramienta para tu libertad financiera."
— Jessica Aliaga, Directora Ejecutiva, Hispanic Solutions Group
Protección y orientación frente a problemas financieros y prácticas abusivas.
Facilitamos procesos de arbitraje para resolver disputas financieras.
Educación y estrategias basadas en leyes federales para proteger tus derechos.
Analizamos cada situación y desarrollamos un camino personalizado para avanzar.
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to