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What is a credit report?
A credit report may contain information about where you live, home and car loans, credit cards, your bill payment history, bankruptcy, and other legal actions. Businesses use your credit report to help them decide whether to lend you money or let you buy something on credit.
What rights do I have when collectors call?
You have rights, even if you owe money. Many of your rights depend upon who is trying to collect the debt.
Collection Agency is the Collector
If a collection agency is collecting a debt, it must follow federal law. This law is called the Fair Debt Collection Practices Act. The law limits what a collection agency can do. For example, a collection agency may not:
What Does Exempt Property Mean?
Property that is protected and cannot be taken by your creditors to pay off a judgment for debt.
Who May Claim an Exemption?
You or your spouse, your children, or anyone else whom you give permission to, may claim an exemption on your behalf.
Can an Exemption be Waived?
It depends. You cannot waive an exemption in favor of an unsecured creditor before your property has been levied. An unsecured creditor is a creditor to whom you have not given a secured interest in property, such as your home.
What is Foreclosure?
Foreclosure means your creditor is trying to take your house and sell it to collect the money you owe. This happens when you get behind on your payments.
What do words used in a foreclosure mean?
Understanding the legal terms used with foreclosure can help you help yourself. Some definitions are:
Identity Theft is the largest consumer complaint filed with the Federal Trade Commission (FTC) every year.
What is Identity Theft?
If you have been the victim of identity theft, it could mean someone has used your name to:
make purchases,
get credit cards,
rent an apartment, or
obtain utilities without your permission.
In some cases, thieves may have used your name to receive medical services, get a tax refund, or even during contact with law enforcement.
An overpayment happens when Social Security decides you received more money than you were supposed to get, either in your monthly disability benefit check or your lump sum back payment.
What can cause a Social Security overpayment?
There are many reasons Social Security may think you have been overpaid. Some examples include:
What does it mean to be disabled?
Social Security’s Representative Payee Program helps you if you are not able to take care of your monthly Social Security or SSI payments. The program appoints someone to receive your monthly disability benefit. This person is called a representative payee (rep payee). The rep payee must use your monthly benefit to pay your expenses each month.
Why would Social Security say I need to have a rep payee?
There are many reasons why Social Security say you need a rep payee. Some reasons include mental illness, drug/alcohol issues, or cognitive issues.
The courts tell us that driving is not a right but a privilege, subject to control by government. Utah's Department of Public Safety, Driver License Division, which issues driver licenses, can revoke or suspend a license, or issue a restricted one.
After a home and a car, a funeral may be your most expensive purchase. Funeral plans are often made when people are grieving and under time constraints. Thinking ahead may help your loved ones as you choose the items you want and need. Planning your funeral also allows you to compare prices.
What are some of my choices for funeral plans?
Making plans in advance lets you choose among several types of ceremonies and dispositions, although your choice affects the cost.
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