To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

Size: px
Start display at page:

Download "To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website."

Transcription

1

2 Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13 bankruptcy questins with ur bankruptcy attrney, please call us r fill ut a Free Evaluatin frm n ur website. What is Chapter 13 bankruptcy? Chapter 13 bankruptcy is named after the sectin f U.S. bankruptcy law dealing with rerganizatin f debts. Essentially, with Chapter 13, yu keep yur prperty (such as hme, vehicles, etc) and create a repayment plan that is apprved by the curt. After successfully keeping up with yur debt payments in this plan ver 3-5 years, all eligible debts are discharged. Here are sme mre imprtant facts abut Chapter 13:

3 What are the qualificatins t file Chapter 13 bankruptcy? If yu d nt qualify fr Chapter 13, yu can still file fr Chapter 7. T file Chapter 13, yu must meet these qualificatins: PRIOR FILINGS: Yu must wait 4 years after filing a prir Chapter 7 bankruptcy r wait 2 years after filing a prir Chapter 13 bankruptcy. DISPOSABLE INCOME: Based n the living expenses and payments yu have (such as hme mrtgage and vehicle payments), yu may r may nt have enugh remaining incme t be sufficient t successfully fund a debt repayment plan. An attrney can help yu calculate whether r nt yu have sufficient dispsable incme fr a Chapter 13 plan. If yu dn t have Time Between Prir Bankruptcy Filings sufficient incme t fund the plan, yu can file fr Chapter 7 bankruptcy instead. Have Sufficient Dispsable Incme DEBT AMOUNTS: Yur debts cannt be t high. As f 2013, yur unsecured Debt Amunts Can't Be T High debt cannt exceed $360,475, while yur secured debt cannt be Current n Incme Tax Payments higher than $1,081,400. Mst peple have far less debt than these amunts, Take a Credit Cunseling Class s this usually isn t an issue in qualifying fr Chapter 13. INCOME TAXES: Yu must be current n yur incme tax filings and must shw prf that yu have filed bth state and federal incme taxes ver the last 4 years. If yu are nt current n yur tax payments, yu cannt file a Chapter 13. CREDIT COUNSELING: Yu are required t take an inexpensive, helpful class n financial and debt management within 180 days befre filing. Hw des the Chapter 13 bankruptcy prcess wrk? Chapter 13 bankruptcy takes abut 3-5 years t cmpletely eliminate yur eligible debts. Here is hw it wrks: DETERMINE ELIGIBILITY: Yu shuld determine if yu are eligible fr Chapter 13. If nt, yu shuld file a Chapter 7 instead. CREDIT COUNSELING: Find a reputable nn-prfit credit cunseling cmpany, take the inexpensive, required class n financial management, and present yur certificate f cmpletin alng with yur bankruptcy paperwrk. FILE PAPERWORK: If yu qualify fr Chapter 13, yu then fill ut and submit the required paperwrk t yur lcal curt. Yu must include accurate infrmatin abut yur incme,

4 secured and unsecured debts, exempt and nn-exempt prperty, assets, living expenses, and ther related financial infrmatin. In additin, yu must prvide recrds f yur recent state and federal incme tax returns. Filling ut the required paperwrk is much easier with an attrney, wh can guide yu thrugh and make sure yu cmplete it crrectly. AUTOMATIC STAY: Once the curt has received and prcessed yur submitted paperwrk, they immediately ntify all f yur creditrs f yur bankruptcy filing. Yur creditrs are then legally prevented frm pursuing yu further fr debt cllectins, evictins, lawsuits, wage garnishments, freclsures, and ther related matters. CREDITORS MEETING: Sn after yur petitin is filed, yu are required t attend a meeting at the curthuse with yur creditrs, trustee (the persn in charge f verseeing yur case), and yur attrney (if yu hired ne). While this meeting is in the curthuse, it is nt a trial. There is n judge present. During this meeting (which usually lasts less than 1 hur), the trustee and creditrs review yur financial paperwrk fr accuracy and dispute anything they find t be inaccurate. Yur attrney can greatly help yu t feel at ease during this part f the prcess as he r she can advise and help yu. CONFIRMATION HEARING: Yu create a repayment plan that utlines hw much each f yur creditrs will be paid and hw much yu will pay each mnth. This plan is presented befre yur trustee, a judge, and yur creditrs in a cnfirmatin hearing in curt, where thse present may dispute r mdify yur repayment plan (if necessary). Mst ften, yur plan is apprved in this meeting.

5 REPAYMENT: Over a 3-5 year perid, yu make cnsistent payments t the curt. These payments g twards yur creditrs, trustee, and attrney (if yu have an attrney). Yur trustee will ccasinally review yur case t make sure that yur plan is ging smthly. DEBTOR EDUCATION COURSE: This legally required, inexpensive, shrt curses supplements the credit cunseling class that yu tk prir t filing. Yu will learn varius financial and budgeting principles and receive a certificate upn cmpletin. DEBT DISCHARGE: After yu have successfully cmpleted yur repayment plan, yu and yur creditrs will receive ntice frm the curt that yur eligible debts are nw eliminated. Yu n lnger have any legal bligatin twards these debts! Sme debts may remain, such as child supprt and student lans. FRESH START: While a Chapter 13 bankruptcy can stay n yur credit reprt fr 7 years, yu can begin taking steps t rebuild yur credit and start fresh withut burdensme debts. What des it cst t file Chapter 13 bankruptcy? If yu are wrried abut the cst f filing Chapter 13, have n fear. Mst Chapter 13 csts are spread ut as a part f yur 3-5 year repayment plan. S usually yu dn t have t pay much t start the prcess. There are 3 main csts t filing Chapter 13 bankruptcy: 1. FILING FEES: This fee is standard acrss all states and ges twards paying fr administrative and filing services frm the curt and the trustee. 2. ATTORNEY FEES: Attrney fees are higher fr Chapter 13 cases than fr Chapter 7 cases due t mre extensive wrk required ver a lnger perid f time. All fees are publicly disclsed and can be mdified by the curt if they are determined t be unreasnable. These fees vary frm area t area, but the curt usually sets a benchmark fee standard f what they feel is apprpriate t charge. Attrneys that stray t far frm that fee will have their fees and case reviewed by the curt and ften times be frced t lwer their fees t be clser t the set standard. Unlike Chapter 7 attrney fees, Chapter 13 attrney fees are ften included (at least in part) as part f yur repayment plan, meaning yu can spread ut yur attrney fees ver a 3-5 year perid. Yu can call yur lcal curt r ur bankruptcy attrney t learn abut Chapter 13 standard attrney fees in yur area.

6 3. EDUCATION FEES: Yu will need t pay fr tw classes n credit cunseling (befre filing) and debtr educatin (after filing). Bth classes teach principles abut wise financial management, debt, and budgeting. If yu are wrried abut paying fr bankruptcy, ur bankruptcy attrney can give yu advice n hw t pay fr Chapter 13 fees and expenses. Hw d bankruptcy attrneys help in the Chapter 13 prcess? Unless yu are very familiar with bankruptcy law, hiring an attrney t help yu file Chapter 13 is mst likely yur best ptin. Chapter 13 cases last ver several years and can smetimes becme cmplex. Having an attrney by yur side thrugh the prcess will help yu feel at ease that yur Chapter 13 case will be successful. Specifically, here are sme benefits f having an attrney n yur side: PROTECTION FROM CREDITOR HARASSMENT: Any creditrs that cntinue t cntact yu after yu ve filed bankruptcy are ding s illegally. Yur attrney can see t it that these creditrs are frced t cmply with the law and stp harassing yu. PEACE OF MIND: Yu dn t have t wrry abut filing alne, learning bankruptcy law, making legal mistakes, r having yur case dismissed. Yu are mre likely t have a successful bankruptcy case and have yur debts eliminated with prfessinal help. FREE INITIAL CONSULTATION: A bankruptcy attrney can help yu understand yur ptins fr debt relief and chse the best ptin t help yu get a fresh start. AVOID LEGAL MISTAKES: Individuals wh try and file alne ften make mistakes that can create legal and financial difficulties, while experienced attrneys avid making these mistakes. CONSTANT SUPPORT AND ADVICE: Yur attrney will help and advise yu thrugh the entire Chapter 13 prcess and becme yur friend and ally. Yur attrney will advise and help yu during yur required meeting with the trustee and creditrs, as well as thrugh ther Chapter 13 meetings in curt. Need mre help r infrmatin with Chapter 13? We hpe that yu have enjyed this Ebk. Fr mre help learning abut Chapter 13 bankruptcy, please: Call us fr a Free phne cnsultatin Fill ut a Free Evaluatin frm n ur website Read ur ther bankruptcy Ebks

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

Video Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched

Video Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched Garden State CLE 21 Winthrp Rad Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@al.cm Vide Curse Evaluatin Frm Attrney Name Atty ID number fr Pennsylvania: Name f Curse Yu Just

More information

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

For more in-depth information about Chapter 7 and how it can help you, please contact our

For more in-depth information about Chapter 7 and how it can help you, please contact our Introduction This Ebook gives you an overview of Chapter 7 bankruptcy and how it can help you eliminate debt. We hope that you find this Ebook useful and informative. For more in-depth information about

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program Refinancing Sectin 95 & 61 c-ps CHF Canada s Refinancing Prgram Lndn Educatin Event 2015 0 CHF Canada s Refinancing Prgram Intrductins Sectin 95 & Sectin 61 Purpse f the Refinancing Prgram Hw the new mrtgage

More information

How to put together a Workforce Development Fund (WDF) claim 2015/16

How to put together a Workforce Development Fund (WDF) claim 2015/16 Index Page 2 Hw t put tgether a Wrkfrce Develpment Fund (WDF) claim 2015/16 Intrductin What eligibility criteria d my establishment/s need t meet? Natinal Minimum Data Set fr Scial Care (NMDS-SC) and WDF

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

Information for IRS Approved Continuing Education Providers. Provided via conference call January 20, 21, 22, 2015

Information for IRS Approved Continuing Education Providers. Provided via conference call January 20, 21, 22, 2015 Infrmatin fr IRS Apprved Cntinuing Educatin Prviders Prvided via cnference call January 20, 21, 22, 2015 Return Preparer Legislatin The Senate Finance Cmmittee intrduced a bill that wuld prvide the Treasury

More information

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport Yur Mney: Hw t manage n AmeriCrps lw wages, save mney and get ut f debt! Presented by: Sarah Yunker-Keppel, Indiana Reading Crps Prgram Directr Facilitatr s Guide If yu are making lw wages (living paycheck

More information

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce.

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce. NextGenJustice Flrida attrneys have prepared the fllwing Frequently Asked Questins t help yu with yur uncntested divrce. Frequently asked questins abut yur uncntested Flrida divrce: Q. Hw lng will my divrce

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

Kronos Workforce Timekeeper Frequently Asked Questions

Kronos Workforce Timekeeper Frequently Asked Questions Krns Wrkfrce Timekeeper Frequently Asked Questins 1. I d nt have the Emplyee Time Reprting ptin listed in my Agra menu. What d I d? If yu are a new emplyee and can t see yur emplyee timecard, cnfirm with

More information

Dodd-Frank Report on Seller Financing

Dodd-Frank Report on Seller Financing Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm

More information

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272 LOUISIANA TECH UNIVERSITY Divisin f Student Financial Aid Pst Office Bx 7925 Rustn, LA 71272 Dear Financial Aid Applicant, Accrding t yur 2011-2012 Student Aid Reprt (SAR), yu did nt include any parental

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questins What is the Cncurrent Credit Prgram? The Cncurrent Credit Prgram is a partnership between Lenawee Christian Schl and lcal clleges that seek t empwer high schl students tward academic

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014

LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014 LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014 PREPARED BY NELLIS LAW CENTER, 4428 England Ave (Bldg 18), Nellis AFB, Nevada 89191-6505 702-652-5407, Appt. Line 702-652-7531 If yu rent prperty yu

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3 EEC Single Sign In (SSI) Applicatin The EEC Single Sign In (SSI) Single Sign In (SSI) is the secure, nline applicatin that cntrls access t all f the Department f Early Educatin and Care (EEC) web applicatins.

More information

Online Learning Portal best practices guide

Online Learning Portal best practices guide Online Learning Prtal Best Practices Guide best practices guide This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing e-learning thrugh the Micrsft Online

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

IPA Putting Better Regulation into Practice

IPA Putting Better Regulation into Practice Revised Versin April 2009 IPA Putting Better Regulatin int Practice Dealing with Debt A Basic Guide t Alternative Ways f Reslving Debt Prblems If yu have debt prblems, there are a number f pssible alternatives

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios NAVIPLAN PREMIUM LEARNING GUIDE Analyze, cmpare, and present insurance scenaris Cntents Analyze, cmpare, and present insurance scenaris 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Analyze

More information

Colorado Gardener Certificate Training 2015 Application and Training Information

Colorado Gardener Certificate Training 2015 Application and Training Information Clrad Master Gardener sm Prgram Clrad Gardener Certificate Training Clrad State University Extensin Clrad Master Gardener sm Prgram Clrad Gardener Certificate Training 2015 Applicatin and Training Infrmatin

More information

Props Department. Property Master, Assistant Property Master, Props Buyer, Armour, Props Builder and Props Assistant Application Requirements

Props Department. Property Master, Assistant Property Master, Props Buyer, Armour, Props Builder and Props Assistant Application Requirements Prps Department Thank yu fr yur interest in the Prps Department f I.A.T.S.E. Lcal 212. Please take a few mments t read the fllwing infrmatin, which utlines department specific requirements necessary when

More information

OPTIONAL PRACTICAL TRAINING INFORMATION

OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal Services Office OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal students, with an F-1 visa, wh have been lawfully enrlled full-time fr at least ne academic year and maintaining status

More information

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type: Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

Aim The aim of a communication plan states the overall goal of the communication effort.

Aim The aim of a communication plan states the overall goal of the communication effort. Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.

More information

Volume THURSTON COUNTY CLERK S OFFICE. e-file SECURE FTP Site (January 2011) User Guide

Volume THURSTON COUNTY CLERK S OFFICE. e-file SECURE FTP Site (January 2011) User Guide Vlume 1 THURSTON COUNTY CLERK S OFFICE e-file SECURE FTP Site (January 2011) User Guide Table f Cntents C H A P T E R 1 FTP e-filing SERVICE 1 Dcument Requirements 1 Scanners 2 File naming cnventin 2 e-file

More information

Financial Aid Summary: Get Money for College

Financial Aid Summary: Get Money for College Financial Aid Summary: Get Mney fr Cllege Whether yu're enrlling in cllege fr the first time r returning t schl after a perid f time ff, yu shuld apply fr federal student aid. Federal student aid frm the

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

Social Assistance Management System (SAMS) implementation overview Immediate impacts to Ontario Works and ODSP recipients in November 2014

Social Assistance Management System (SAMS) implementation overview Immediate impacts to Ontario Works and ODSP recipients in November 2014 Scial Assistance Management System (SAMS) implementatin verview Immediate impacts t Ontari Wrks and ODSP recipients in Nvember 2014 Fr Discussin with Cmmunity Partners Purpse T update cmmunity partners

More information

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS Only the Ministry f Training, Clleges & Universities can cnsider clearance reviews fr mst ther student restrictin issues. These

More information

Calling 9-1-1 from a Cell Phone

Calling 9-1-1 from a Cell Phone Calling 9-1-1 frm a Cell Phne When calling 9-1-1 frm a cell phne, yur lcatin may nt autmatically display t the 9-1-1 center as it des when calling frm mst hmes r businesses. Be Prepared t tell the 9-1-1

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

More information

Frequently Asked Questions for Restoring Stability: A Save the Dream Ohio Initiative (Ohio s Hardest-Hit Fund)

Frequently Asked Questions for Restoring Stability: A Save the Dream Ohio Initiative (Ohio s Hardest-Hit Fund) Frequently Asked Questins fr Restring Stability: A Save the Dream Ohi Initiative (Ohi s Hardest-Hit Fund) General Prgram Questins What is Restring Stability: A Save the Dream Ohi Initiative (Ohi s Hardest-Hit

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

2. Visit the Admissions section of the TCC website http://www.tcc.edu/students/admissions/. Follow steps #1-3.

2. Visit the Admissions section of the TCC website http://www.tcc.edu/students/admissions/. Follow steps #1-3. Dear Early Childcare Educatr, We are pleased t infrm yu that GrwSmart is nw accepting applicatins fr teacher schlarships fr the upcming semester. Please share the fllwing infrmatin with yur clleagues and

More information

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Frm At the beginning f the interview, please remember: Tell hmewners at the utset that yu are nt ffering t represent them at this time, that there

More information

edoc Lite Recruitment Guidelines

edoc Lite Recruitment Guidelines edc Lite Recruitment Guidelines Intrductin OneStart & the Academic Psitin Search Channel edc Lite Ruting and Wrkgrups Ruting Actin List Ruting Cntrls Wrkgrups Dcument Search edc Lite Dcuments Vacancy Ntice

More information

Enrollee Health Assessment Program Implementation Guide and Best Practices

Enrollee Health Assessment Program Implementation Guide and Best Practices Enrllee Health Assessment Prgram Implementatin Guide and Best Practices March 2015 033129 (03-2015) This guide will help yu answer these questins: What is the Enrllee Health Assessment (EHA) prgram and

More information

www. IurilloLaw. com When Creditors Rights & Bankruptcy Issues Collide with Estate Planning, What Should You Do?

www. IurilloLaw. com When Creditors Rights & Bankruptcy Issues Collide with Estate Planning, What Should You Do? When Creditrs Rights & Bankruptcy Issues Cllide with Estate Planning, What Shuld Yu D? 1 Camille J. Iurill, Esquire ciurill@iurilllaw.cm (727) 895-8050 5628 Central Avenue St. Petersburg, FL 33707 Camille

More information

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000 U. S. Department f Husing and Urban Develpment Washingtn, D.C. 20410-8000 December 20, 2000 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MORTGAGEE LETTER 00-46 TO: ALL APPROVED

More information

SWARTHMORE GIFT PLANNING

SWARTHMORE GIFT PLANNING SWARTHMORE GIFT PLANNING Gift Basics Thank yu fr serving as a 50 th reunin gift planning representative fr yur class. Yur supprt fr the Cllege and yur membership in the Swarthmre Legacy Circle will serve

More information

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs Military: Exemptins fr Texas Veterans (Hazlewd Exemptin) FAQs What charges are cvered? What charges are nt cvered? Des the Hazlewd Act cver teacher certificatin fees? Des the Hazlewd Act cver credit by

More information

HeartCode Information

HeartCode Information HeartCde Infrmatin Hw t Access HeartCde Curses... 1 Tips fr Cmpleting Part 1 the nline curse... 5 HeartCde Part 2... 6 Accessing a Cmpleted Curse... 7 Frequently Asked Questins... 8 Hw t Access HeartCde

More information

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

Blizzard Ball: Snowballs versus Avalanches

Blizzard Ball: Snowballs versus Avalanches Blizzard Ball: Snwballs versus Avalanches Blizzard Ball is a fun, active way t review the key cncepts f and debt cvered in Katrina s Classrm Lessn 3, A Fresh Start. The activity allws players t strategize

More information

All Harvard University schools, tubs, local units, Affiliate Institutions, Allied Institutions and University-wide Initiatives.

All Harvard University schools, tubs, local units, Affiliate Institutions, Allied Institutions and University-wide Initiatives. HARVARD UNIVERSITY FINANCIAL POLICY INDEPENDENT CONTRACTOR CLASSIFICATION Plicy Title: Independent Cntractr Respnsible Office: ERP and UFS Effective Date: Octber 4, 2000 Revisin Date: May 12, 2009 Plicy

More information

FACING YOUR FEARS: EXPOSURE

FACING YOUR FEARS: EXPOSURE FACING YOUR FEARS: EXPOSURE An imprtant step in managing anxiety invlves facing feared situatins, places r bjects. It is nrmal t want t avid the things yu fear. Hwever, avidance prevents yu frm learning

More information

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

SUB CENTRAL - SEMS/SFE TO DO LIST

SUB CENTRAL - SEMS/SFE TO DO LIST Sub Central SEMS/SFE HUMAN RESOURCES DIVISION Remember: On the natinal average, a student has a substitute teacher the equivalent f ne full year frm K-12 years in schl. Hw can yu help yur students and

More information

Early Childhood Development Services. Early Childhood Education Assistance Program. Terms and Conditions

Early Childhood Development Services. Early Childhood Education Assistance Program. Terms and Conditions Early Childhd Develpment Services Early Childhd Educatin Assistance Prgram Table f Cntents Overview... 2 Prgram Descriptin... 2 Eligibility Criteria... 3 Apprved Early Childhd Training Prgrams... 3 Prgram

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

Typical Interview Questions and Answers

Typical Interview Questions and Answers Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will

More information

Grant Application Writing Tips and Tricks

Grant Application Writing Tips and Tricks Grant Applicatin Writing Tips and Tricks Grants are prvided by gvernment (lcal, state and natinal), charitable trusts, and by cmmunity rganisatins (eg Ltteries, Rtary, etc). Each grant has a specific purpse,

More information

BUPA DENTAL PLAN A P P L I C AT I O N F O R M

BUPA DENTAL PLAN A P P L I C AT I O N F O R M BUPA DENTAL PLAN A P P L I C AT I O N F O R M Please cmplete all relevant sectins f the frm in BLOCK CAPITALS and BLACK INK and return it t: Cnsumer Partnerships, FPS Dental, Bupa, Willw Huse, Chertsey

More information

Hartford Seminary s. Online Application Instructions

Hartford Seminary s. Online Application Instructions Hartfrd Seminary s Online Applicatin Instructins Hartfrd Seminary is pleased t annunce that nline applicatin is nw pssible fr mst f ur prgrams as fllws: Dctr f Ministry: Use nline applicatin Master f Arts:

More information

Thank you for your interest in the above post. Please find enclosed the following:

Thank you for your interest in the above post. Please find enclosed the following: September 2015 Dear Applicant Marketing & Events Assistant Thank yu fr yur interest in the abve pst. Please find enclsed the fllwing: a jb descriptin a persn specificatin guidelines n cmpleting the applicatin

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

Proven to manage your car park issues.

Proven to manage your car park issues. Prven t manage yur car park issues. PO BOX 6003 Bilstn WV14 4AQ Tel: 0871 288 4606 Email: inf@cmbinedparkingslutins.c.uk Web: www.cmbinedparkingslutins.c.uk Intrductin What des CPS d? Cmbined Parking Slutins

More information

Retirement Planning Options Annuities

Retirement Planning Options Annuities Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With

More information

2015-16 Independent Verification Worksheet for HSC Students

2015-16 Independent Verification Worksheet for HSC Students 15IVHP 2015-16 Independent Verificatin Wrksheet fr HSC Students Yur applicatin was selected fr review in a prcess called verificatin. In this prcess, Temple University will be cmparing infrmatin frm yur

More information

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS MEDICAL PROVIDER NETWORK (MPN) NOTIFICATION If yu are injured at wrk, Califrnia Law requires yur emplyer t prvide and pay

More information

Vancouver Island University Job Posting System Instruction Manual

Vancouver Island University Job Posting System Instruction Manual Vancuver Island University Jb Psting System Instructin Manual Have questins, cncerns, r need training? Cntact Human Resurces Recruitment Office at recruit@viu.ca r lcal 6239 Last updated: February 2013

More information

KIK s GUIDE FOR LAW ENFORCEMENT

KIK s GUIDE FOR LAW ENFORCEMENT Thanks fr checking ut ur law enfrcement guide. Kik takes the safety f ur users very seriusly, and we hpe this guide will be a useful tl fr yu. It includes infrmatin abut ur app; the features and functins

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

More information

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS APPENDIX A FORM ADV (Paper Versin) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS Frm ADV: General Instructins Read these instructins carefully befre

More information

Training Script: Documenting Provider

Training Script: Documenting Provider Training Script: Dcumenting Prvider Training Script: Dcumenting Prvider Agenda Item Intrductin Lg int Cmputer EMR Mdule Desktp Mdule Review Desktp and EMR in Meditech Test CPOE Sessin 1 Discussin Intrduce

More information

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University.

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University. University f Stirling Student Payment Plicy 1. Intrductin This dcument sets ut the University s plicy in relatin t the cllectin f student fees and charges payable t the University by current and frmer

More information

CREATING A DONOR ACCOUNT

CREATING A DONOR ACCOUNT CREATING A DONOR ACCOUNT An Online Giving Accunt shuld be created t have the ability t set-up recurring dnatins, pledges and be able t view and print histry. Setting up an accunt will als allw yu t set-up

More information

990 e-postcard FAQ. Is there a charge to file form 990-N (e-postcard)? No, the e-postcard system is completely free.

990 e-postcard FAQ. Is there a charge to file form 990-N (e-postcard)? No, the e-postcard system is completely free. 990 e-pstcard FAQ Fr frequently asked questins abut filing the e-pstcard that are nt listed belw, brwse the FAQ at http://epstcard.frm990.rg/frmtsfaq.asp# (cpy and paste this link t yur brwser). General

More information

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

efusion Table of Contents

efusion Table of Contents efusin Cst Centers, Partner Funding, VAT/GST and ERP Link Table f Cntents Cst Centers... 2 Admin Setup... 2 Cst Center Step in Create Prgram... 2 Allcatin Types... 3 Assciate Payments with Cst Centers...

More information

o I hereby request a total SURRENDER of my contract/certificate (please enclose).

o I hereby request a total SURRENDER of my contract/certificate (please enclose). Distributin Request Frm Prtective Life Insurance Cmpany (PLICO/"the Cmpany") Prtective Life and Annuity Insurance Cmpany (PLAIC/"the Cmpany") Cntract Owner Custmer Service Office: Cntract Annuitant P.O.

More information

Site Coordinator Volunteer Resource Guide To assist with volunteer recruitment, training and support

Site Coordinator Volunteer Resource Guide To assist with volunteer recruitment, training and support Site Crdinatr Vlunteer Resurce Guide T assist with vlunteer recruitment, training and supprt Table f Cntents Steps fr Site Crdinatrs: Managing Vlunteers 3 Steps fr Vlunteers 4 Vlunteer Recruitment Letter/Email

More information

The Cost Benefits of the Cloud are More About Real Estate Than IT

The Cost Benefits of the Cloud are More About Real Estate Than IT y The Cst Benefits f the Clud are Mre Abut Real Estate Than IT #$#%&'()*( An Osterman Research Executive Brief Published December 2010 "#$#%&'()*( Osterman Research, Inc. P.O. Bx 1058 Black Diamnd, Washingtn

More information

IN-HOUSE OR OUTSOURCED BILLING

IN-HOUSE OR OUTSOURCED BILLING IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability

More information