A bilingual pamphlet containing practical law-related information for recent Russian Jewish immigrants to New York City, this document addresses consumer concerns. Following a brief description of the Newcomer series, 15 questions are listed, each followed by an answer. Questions asked include the meaning of the terms consumer and contract; cancellation of a contract; explanations of comparative shopping, sales, exchanges, refunds, and warranties; how to complain to a manufacturer; how to handle mail-order goods and advertisements; layaways; buying on credit; the difference between loans, credit cards, and store charge accounts; how to establish credit for the first time; types of insurance; the necessity for auto insurance; and how to shop for insurance. A final page, titled"Where to Go for Help," lists seven relevant consumer and legal service agencies. (CBC)