LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form

Size: px
Start display at page:

Download "LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form"

Transcription

1 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 is n attrney-client relatinship (r privilege) at this time, and that n lawsuit is being filed at the mment. Yu are simply fllwing up n the hmewner s cmplaint t cllect additinal infrmatin and will determine later whether there is a basis fr filing a case. Cnfirm that the hmewner is nt being represented by anther attrney n this matter. Give hmewners yur full cntact infrmatin at the firm and refer them t ur prject website t establish legitimacy. Yu might als give them the link t yur firm bi. Explain that the firm and the Lawyers Cmmittee are wrking free f charge n this investigatin (and any litigatin that might fllw). Thrughut the interview, remember t ask fr any relevant dcuments the hmewner may have. Interviewer(s): Interview cnducted in: English / Spanish / Other Date: I. BORROWER INFORMATION *Much f the infrmatin in Sectin I shuld be available frm the cmplaint in the database, but please cnfirm that the infrmatin frm the database is still crrect. 1. Cntact Inf: Full Name: Address: Cell Phne: Hme Phne: Wrk Phne: Which Phne is preferred? {Cell Hme Wrk} Best Time t Reach? {Mrning Afternn Evening} 2. Primary Language: {Chinese English Krean Spanish Vietnamese Other } 3. Age Range: 4. Gender: {Male Female} 5. Race/Ethnicity: {African-American/Black Asian-American Caucasian/White Hispanic/Latin Other: Prefer nt t say} II. PROPERTY AND MORTGAGE INFORMATION An asterisk (*) dentes when the related dcuments shuld be cllected. 1. Type f prperty fr which mrtgage rescue assistance was ffered: 1

2 {First Hme Secnd/Vacatin Hme Business Other: } 2. Are yu currently living in the prperty? {Y/N} If n, prvide the address f the prperty cvered by the mrtgage: 3. Tax Parcel ID number: 4. What year did yu purchase the prperty? 5. D yu currently wn the prperty? {Y/N} 6. Has the prperty been freclsed n r is it in the freclsure prcess? {Has been freclsed Is in freclsure prcess N, neither Unsure} If selected In freclsure prcess r Unsure (i) Have yu received a Ntice f Default*? {Y/N} If yes, when? (ii) Have yu received a Ntice f Sale*? {Y/N} If yes, when? (iii) Curt district (if knwn)? (iv) Case number (if knwn)? 7. Are yu current n yur prperty taxes*? {Yes N Unsure} If n, try t btain related dcumentatin. If the hmewner des nt have the related dcuments, ask: did the cmpany r individual kept the riginals? {Y/N} 8. Are yu currently in bankruptcy prceedings*? {Yes N Unsure} If yes, (i) Curt district (if knwn)? (ii) Case number (if knwn)? 9. Have yu been served any curt dcuments*? {Yes N Unsure} If yes, (i) When? (ii) What Type/Title f dcuments? (iii) Curt district (if knwn)? (iv) Case number (if knwn)? 10. D yu have all f yur mrtgage-related dcuments, e.g., cntracts? {Yes N Unsure} If n, did the cmpany r individual keep yur riginal mrtgage-related dcuments? {Y/N} 11. Infrmatin regarding yur first mrtgage*: a. Name f Lender/Servicer: b. Mrtgage Identificatin Number: (If unable t find, ask fr riginal lan amunt $ ) c. Is the mrtgage in yur name nly? {Y/N} If n, please prvide the full names f any ther brrwers named n yur mrtgage: C-Brrwer 1 s Full Name: C-Brrwer 2 s Full Name: 2

3 C-Brrwer 3 s Full Name: Are yu behind in payments? {Y/N} If yes, number f mnths behind: d. Did yu ever cntact yur lender abut a lan mdificatin? {Y/N} In writing*? {Y/N} If yes, when? What was their respnse? 12. D yu have a secnd mrtgage n the prperty*? {Y/N} a. Name f Lender/Servicer: b. Mrtgage Identificatin Number: (If unable t find, ask fr riginal lan amunt $ ) c. Is the mrtgage in yur name nly? {Y/N} If n, please prvide the full names f any ther brrwers named n yur mrtgage: C-Brrwer 1 s Full Name: C-Brrwer 2 s Full Name: C-Brrwer 3 s Full Name: d. Are yu behind in payments? {Y/N} If yes, number f mnths behind: e. Did yu ever cntact yur lender abut a lan mdificatin? {Y/N} In writing*? {Y/N} If yes, when? What was their respnse*? III. MORTGAGE RESCUE SCAM DETAILS An asterisk (*) dentes when the related dcuments shuld be cllected. A. CONTACT INFORMATION 1. Infrmatin abut cmpany: Cmpany/Organizatin name: Persn wh wrked with yu: Title: Other peple at the cmpany/rganizatin: Title: Title: Address: Phne: Website: Any affiliated cmpanies, if knwn (include as many as needed): Cmpany/Organizatin name: Persn wh wrked with yu: Title: Other peple at the cmpany/rganizatin: Title: Title: Address: 3

4 Phne: Website: 2. When did yu find ut abut the cmpany r individual? 3. Hw did yu first learn abut this cmpany r individual? a. Circle: They cntacted me first / I cntacted them first (check all that apply) Advertisement* circle methd Billbard Flyer Fax Mailing Placed n car Psted in public area Internet Website Other Newspaper/Magazine Radi Televisin Apprached in persn circle methd At a mdificatin event If at a mdificatin event, where: At yur hme On the street Other: * Phne circle methd Mbile/cell phne call Mbile/cell phne text Landline Wrd-f-muth Clleagues/cwrkers Friends Relatives Other: Unknwn/dn t remember 4. Hw did yu respnd (if cmpany initiated cntact): Answer cld call Fax In persn Internet/ * Mail Phne circle methd Mbile/cell phne text Tll free number Internatinal Other Other Unknwn/dn t remember 5. In what language were yu cntacted? Chinese (Cantnese / Mandarin) English Krean Spanish Other 6. Are yu still in cntact with the cmpany/individual? {Y/N} a. Date f Last Cntact: 7. What services did the individual r cmpany claim t ffer? (Circle all that apply) Lan mdificatin assistance/cnsulting 4 Freclsure relief/cnsulting

5 Legal Representatin Offer t purchase yur prperty Refinancing Reverse Mrtgage Bankruptcy Other: NOTES: (e.g., Did the cmpany tell yu hw lng it wuld take t cmplete these services? Hw did the cmpany make these prmises *, fax*, in persn, in writing*, phne?): 8. Were any f the individuals r cmpany representatives that yu wrked with identified as lawyers, attrneys, r legal advisrs? {Yes N Dn t knw} If yes, please tell me briefly abut the direct interactin and cmmunicatin yu had with the lawyer (e.g., hw ften and fr hw lng yu met with him r her, what services he r she prvided yu, etc): Nte: Please ask fllw-ups t try t determine if the lawyer(s) actually prvided any legal services t the hmewner, r whether the cmpany merely used the attrney status t attempt t meet an attrney exceptin t laws banning cllectin f upfrnt fees. If n, did the cmpany r individual state that it had a lawyer, attrney, r legal advisr that it wrked with? {Yes N Dn t knw} What is the lawyer r legal advisr s name? And d yu have a business card* frm the lawyer/legal advisr? {Y/N} 9. Were yu behind n yur mrtgage payments when yu started cmmunicating with this cmpany r individual? {Y/N} If yes, hw many mnths? B. PAYMENT QUESTIONS 10. Were yu asked t pay a fee befre the cmpany r individual began prviding services? {Y/N} If yes: a. What were yu tld the fee was fr? b. Apprximately hw much did they ask yu t pay? {$ Dn t Remember} c. Did yu pay it? {Y/N} If yes, i. Apprximately hw much did yu pay? ii. On apprximately what date did yu pay? iii. Methd f payment: 1. Autmatic Bank Withdrawal 2. Cash 3. Check* circle methd a. Certified Persnal Other b. T whm: Cmpany Individual(s): 4. Credit Card* 5

6 If yu paid by credit card, have yu cntacted yur credit card cmpany t register a dispute 1? {Y/N} 5. Debit Card* 6. Mney Order* circle methd a. Bank Persnal Other 7. Payrll Adjustment* 8. Phne Bill* a. Mbile Phne Bill VIP Phne Bill 9. Wire Transfer* circle cmpany used a. MneyGram Western Unin Other 10. Other d. D yu have receipts r ther recrds* f the payment? {Receipts Other Recrd N} -- If selected cash, certified check, r wire transfer, ask: Were yu tld that yu culd nly pay by cash, certified check, r wire transfer? {Yes N Dn t Remember} 11. Were yu advised t stp making mrtgage payments t yur lan servicer? {Y/N} If yes, a. Did yu stp payments? {Y/N} b. Did yu ntify yur lan servicer f yur intentins? {Y/N} c. During what perid did yu stp paying? t 12. Were yu advised t make yur mrtgage payments t smene ther than yur lan servicer? {Y/N} a. If yes, did yu d s? {Y/N} If yes again: i. T whm did yu make the payments? {Cmpany Individual: Other: } 1. If Individual r Other, prvide address payments were sent t: ii. Hw many payments did yu make t this entity? iii. During what perid did yu make yur mrtgage payments t this entity? 1. t iv. Apprximately what was the ttal amunt paid? $ v. Were yu tld that the payments wuld be frwarded t yu lan servicer? {Yes N Dn t Remember} If yes, were the payments frwarded t yur servicer? {Yes N Dn t Knw} vi. Apprximately hw much did yu pay? vii. On apprximately what date did yu pay? 1 NOTE: Under the Federal Fair Credit Billing Act, cnsumer has 60 days frm the time that he r she receives the relevant statement t dispute the charge. 6

7 viii. Methd f payment: 1. Autmatic Bank Withdrawal* 2. Cash 3. Check* Certified Persnal Other T whm: Cmpany Individual(s): 4. Credit Card* If yu paid by credit card, have yu cntacted yur credit card cmpany t register a dispute 2? {Y/N} 5. Debit Card* 6. Mney Order* circle methd Bank Persnal Other 7. Payrll Adjustment 8. Phne Bill* Mbile Phne Bill VIP Phne Bill 9. Wire Transfer* circle cmpany used MneyGram Western Unin Other 10. Other: -- If selected cash, certified check, r wire transfer, ask: Were yu tld that yu culd nly pay by cash, certified check, r wire transfer? {Yes N Dn t Remember} 13. Were yu asked t make any ther payments t the individual r cmpany (ther than an advance fee r mrtgage payments)? {Y/N} If yes: a. Hw many payments did yu make? b. On apprximately what date(s) did yu pay? c. What were yu tld the payments were fr? d. Hw much did yu pay (ttal)? e. Did yu send payments t a different address than the ne yu prvided fr the cmpany abve? If yes, please prvide the address: f. Methd f payment: i. Autmatic Bank Withdrawal* ii. Cash iii. Check* Certified Persnal Other T whm: Cmpany Individual(s): iv. Credit Card* 2 NOTE: Under the Federal Fair Credit Billing Act, cnsumer has 60 days frm the time that he r she receives the relevant statement t dispute the charge. 7

8 If yu paid by credit card, have yu cntacted yur credit card cmpany t register a dispute 3? {Y/N} v. Debit Card* vi. Mney Order * circle methd Bank Persnal Other vii. Payrll Adjustment* viii. Phne Bill* Mbile Phne Bill VIP Phne Bill ix. Wire Transfer* circle cmpany used MneyGram Western Unin Other x. Other: g. D yu have receipts r ther recrds* f the payment? {Receipts Other Recrd N} -- If selected cash, certified check, r wire transfer, ask: Were yu tld that yu culd nly pay by cash, certified check, r wire transfer? {Yes N Dn t Remember} 14. What services did the individual r cmpany claim it was ging t prvide in exchange fr yur payments? (Check all that apply) Lan mdificatin assistance/cnsulting Legal Representatin Refinancing Reverse Mrtgage Freclsure relief/cnsulting Offer t purchase yur prperty Bankruptcy Other: NOTES: C. GUARANTEE QUESTIONS 15. Did the cmpany r individual guarantee yu a lan mdificatin? {Y/N} NOTES: 16. Did the cmpany r individual guarantee that yu wuld be able t avid freclsure? {Y/N} NOTES: 17. Did the cmpany claim t have a certain success rate in mdifying lans and/r saving hmes frm freclsure (ex, 90% success rate in btaining lan mdificatins)? {Y/N} If yes, what success rate did it claim? 18. Were yu prmised that yur credit wuld be prtected? {Y/N} 19. Did the cmpany r individual ever claim an affiliatin with the gvernment (e.g., FDIC, HUD, Obama Plan )? {Y/N} If yes, was it verbal? {Y/N} In writing*? {Y/N} 20. Did the cmpany r individual ever tell yu that yu can btain free help frm HUD-apprved husing cunselrs? {Y/N} D. DOCUMENT AND TITLE TRANSFER QUESTIONS 21. Did yu sign any dcuments prvided by the cmpany r individual? {Y/N} 3 NOTE: Under the Federal Fair Credit Billing Act, cnsumer has 60 days frm the time that he r she receive the relevant statement t dispute the charge. 8

9 If yes: a. Did they include any f the fllwing types f dcuments? Agreement that yu will nt cntact yur lender Agreement that yu will halt yur mrtgage payments r t make the payments t smene ther than yur lender Cntract fr an attrney s services Cntract fr the cmpany s service New mrtgage agreement Transfer f the title f yur prperty Other: b. D yu have cpies f any f the dcuments*? {Y/N} i. If n, did the cmpany r individual ever ffer yu a cpy f the dcument yu signed? {Y/N} c. Did the dcuments lk like they were frm yur lender? {Yes N Unsure/Dn t remember} d. Were they written in yur primary language? {Y/N} e. Did the cmpany/individual adequately explain the dcuments t yu, and give yu plenty f time t read the dcuments? D yu feel that yu fully understd what yu were signing? f. Were yu advised that yu culd have yur attrney review the dcuments prir t signing? {Yes N Unsure/Dn t Remember} 22. Were yu advised by the cmpany r individual nt t cntact yur lender, an independent attrney, r anyne else while the cmpany/individual prvided yu services? {Yes N Unsure/Dn t Remember} 23. Were yu encuraged t transfer yur deed r title t the individual/cmpany, r t a 3 rd party? {Y/N} If yes, did yu transfer the title? {Y/N} If yes: a. T whm did yu transfer the title? b. Were yu paid fr the title? {Y/N} If yes, hw much? What was the market value f the prperty at the time, if knwn? c. Were yu tld that yu wuld be able t buy back the prperty? {Y/N} If yes, have yu dne s? {Y/N} d. D yu have any f the dcuments yu signed*? {Y/N} NOTES: E. SERVICES PROVIDED AND ACTIONS TAKEN 24. What services did yu receive, if any? Did they ever prvide prf in writing*? 25. Did the cmpany r individual ever cntact yur lender? {Y/N} 9

10 26. Did the cmpany r individual ever ask yu t lie t yur bank, yur mrtgage servicer, r anyne else abut yur incme r any ther detail f yur life? {Y/N} Mst mrtgage servicers maintain a cntact lg that keeps track f each time a hmewner r a third-party interacts with the servicer. If yur servicer keeps this type f lg, it might be helpful t btain it, s that we can determine whether yur lan mdificatin cmpany ever actually cntacted the bank. In rder t d this, we wuld need yu t sign a waiver, allwing us t receive a cpy f the cntact lg frm the bank. Wuld yu be willing t d this? {Y/N} 27. Did the cmpany r individual apply fr a lan mdificatin n yur behalf? {Y/N} If yes, did yu receive a decisin abut the applicatin? {Y/N} If yes, when? D yu have a letter frm the bank r any ntices*? {Y/N} 28. Did the cmpany r individual take any actin that yu did nt expect, such as: (check all that apply) File fr bankruptcy in yur name? Transfer title f yur prperty? Retain mrtgage payments it tld yu wuld send t yur lender? Other 29. Were yu prmised a refund if the cmpany failed t perfrm certain services? {Y/N} If yes, what were the terms fr a refund? 30. Have yu tried t btain a refund frm the cmpany r individual? {Y/N} If yes: a. When did yu ask fr the refund? b. Wh did yu ask? c. Hw did yu ask fr a refund? In persn Phne Writing/ * d. Hw did the cmpany r individual respnd? e. D yu have recrds f yur request and/r the cmpany s respnse*? {Y/N} 31. Are yu wrse ff financially nw cmpared t when yu first hired the cmpany? {Y/N} 32. Are yu at greater risk f freclsure? {Y/N} 33. Did yur hme g int freclsure as a result f the services prvided (r nt prvided) by the cmpany? {Y/N} Have yu lst yur hme? {Y/N} 34. Has yur credit rating r FICO scre* decreased as a result this incident? {Y/N} 35. Have yu faced any ther financial penalties r injuries as a result f this cmpany? {Y/N} If yes, prvide details and any dcumentatin*: 36. Have yu cntacted any gvernment agencies, arbitratin services, r attrneys regarding the cmpany r individual? {Y/N} If yes*: a. Please prvide the name, address, and telephne number f the agencies and/r individuals yu cntacted: Name: Agency: Title: Phne Number: 10

11 Address: b. Is curt actin* against the cmpany r individual pending? {Y/N} 1. If yes, a. Curt district (if knwn)? b. Case number (if knwn)? 37. If, at the end f this investigatin, we decide t file a lawsuit against the cmpanies/individuals, wuld yu be interested in participating? {Y/N} REMINDER: Ask fr all available dcuments, including lan mdificatin cntract, s, letters, cmpany advertisements, bank statements, prf f payment, and mrtgage dcuments. Make sure yu arrange t have these dcuments transmitted t yu if the hmewner did nt bring them with him/her. ************************************************************************************************** ADDITIONAL NOTES ABOUT THE SCAM: IV. EVALUATION OF HOMEOWNER Overall impressins f hmewner and interview: Next steps: 11

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION New Mexic Regulatin and Licensing Department 2550 Cerrills Rad Santa Fe, NM 87505 Ph (505) 476-4700 Fax (505) 476-4685 INSTRUCTIONS FOR FILING A COMPLAINT Thank yu fr cntacting The New Mexic Regulatin

More information

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349 Member FDIC "Hmetwn Banking... Accunt Switch Kit... Mving Made Easy" Lcatins HAMILTON PO BO 189 1281 MILITARY ST S HAMILTON, AL 35570 Phne: (205)921-9400 Fax: (205)921-9708 HACKLEBURG PO DRAWER A 34888

More information

How To Get A Job At A Farmhouse Farmhouse

How To Get A Job At A Farmhouse Farmhouse 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

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

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

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

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

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject

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

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

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

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist-

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist- Kuck Immigratin Partners Surce f Funds -Wrksheet and Dcument Checklist- 1 Table f Cntents General Rules... 3 Investrs Net Wrth Wrksheet:... 4 Dcumentatin:... 5 Identificatin and Bigraphic Dcuments... 5

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

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

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

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021 Multi-Year Accessibility Plicy and Plan fr NSF Canada and NSF Internatinal Strategic Registratins Canada Cmpany, 2014-2021 This 2014-21 accessibility plan utlines the plicies and actins that NSF Canada

More information

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

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

More information

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washingtn, D.C. 20549 FORM WB-DEC DECLARATION OF ORIGINAL INFORMATION SUBMITTED PURSUANT TO SECTION 21F OF THE SECURITIES EXCHANGE ACT OF 1934 A. SUBMITTER

More information

TITLE CHANGE REQUEST CHECKLIST AND INSTRUCTIONS

TITLE CHANGE REQUEST CHECKLIST AND INSTRUCTIONS CHECKLIST AND INSTRUCTIONS Thank yu fr allwing Interval Servicing t assist yu with yur title change request. We want yur transactin t be prcessed smthly and efficiently. Please be sure t review this checklist

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

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

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

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

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student University f Texas at Tyler 2015-2016 Special Circumstances Request Independent Student Student Name: ID#: Sectin I. In accrdance with Federal regulatins, student and spuse 2014 incme is used t determine

More information

First Global Data Corp.

First Global Data Corp. First Glbal Data Crp. Privacy Plicy As f February 23, 2015 Ding business with First Glbal Data Crp. ("First Glbal", First Glbal Mney, "we" r "us", which includes First Glbal Data Crp. s subsidiary, First

More information

A Guide to Understanding and Claiming the Disability Tax Credit:

A Guide to Understanding and Claiming the Disability Tax Credit: A Guide t Understanding and Claiming the Disability Tax Credit: The Gvernment f Canada ffers a variety f tax benefits t peple with disabilities. These benefits are prvided under the assumptin that peple

More information

Frequently Asked Questions About I-9 Compliance

Frequently Asked Questions About I-9 Compliance Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf

More information

STANDARDS OF THE MINNESOTA LEMON LAW

STANDARDS OF THE MINNESOTA LEMON LAW STANDARDS OF THE MINNESOTA LEMON LAW The fllwing is a brief explanatin f mst relevant prvisins f the Minnesta lemn law. The cmplete text f the lemn law can be fund at Minn. Stat. Ann Sec. 325F.665. VEHICLES

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

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

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

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

How Checking Accounts Work

How Checking Accounts Work Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a

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

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

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

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

Privacy Plicy Welcme, Sensati & JHI

Privacy Plicy Welcme, Sensati & JHI Privacy Plicy Welcme t www.framesdata.cm! This site (the Frames Data Online Site ) is wned by Frames Data Inc. ("FDI" r we ), a subsidiary f Jbsn Medical Infrmatin LLC ("JMI") and its parent, Jbsn Healthcare

More information

WRHA Health Interpreter Guidelines 1 for Message Relay, Reminder Call and Conference Call

WRHA Health Interpreter Guidelines 1 for Message Relay, Reminder Call and Conference Call WRHA Health Interpreter Training Prgram WRHA Health Interpreter Guidelines 1 fr Message Relay, Reminder Call and Cnference Call 2011 1 Develped by Dnna Jyette, Jyette Cnsulting Services, adapted fr WRHA

More information

Privacy Breach and Complaint Protocol

Privacy Breach and Complaint Protocol Privacy Breach and Cmplaint Prtcl Effective: December 31, 2012 Apprved by: Le McKenna, CFO 1.0 General Privacy breaches and privacy cmplaints will be handled in accrdance with this prtcl. This prtcl is

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

3/2 MBA Application Instructions

3/2 MBA Application Instructions 3/2 MBA Applicatin Instructins IMPORTANT INFORMATION Deadlines fr admissin are psted t the 3/2 MBA website. Applicatins are encuraged t be submitted by Nvember 1 f the Junir year. Please nte that all required

More information

Patient Participation Report

Patient Participation Report Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they

More information

Kentwood Police Department 4742 Walma Ave SE Kentwood, Michigan 49512 (616) 698-6580 http://www.ci.kentwood.mi.us REPORTING IDENTITY THEFT

Kentwood Police Department 4742 Walma Ave SE Kentwood, Michigan 49512 (616) 698-6580 http://www.ci.kentwood.mi.us REPORTING IDENTITY THEFT Kentwd Plice Department 4742 Walma Ave SE Kentwd, Michigan 49512 (616) 698-6580 http://www.ci.kentwd.mi.us REPORTING IDENTITY THEFT If yu are the victim f identity theft and ne f the fllwing cnditins are

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

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

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care

More information

Campaign Fact Sheet About the Loan Modification Scam Epidemic national foreclosure rate 2.1%. Every 20 seconds

Campaign Fact Sheet About the Loan Modification Scam Epidemic national foreclosure rate 2.1%. Every 20 seconds Campaign Fact Sheet Abut the Lan Mdificatin Scam Epidemic Tday, the natinal freclsure rate stands at. Every 20 secnds in America, there is anther freclsure filing. There are mre than 4,260 hme freclsure

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

Mortgage Foreclosure Best Practices

Mortgage Foreclosure Best Practices Mrtgage Freclsure Best Practices Senate Enrlled Act 492, cdified at I.C. 32-30-10.5 et seq., gave defendants in residential mrtgage freclsure actins the right t request a settlement cnference. Since this

More information

Identity fraud and theft

Identity fraud and theft Page 1 f 5 Identity theft is when yur persnal details are stlen and identity fraud is when thse details are used t cmmit fraud. Mre abut identity fraud and identity theft Identity fraud can happen when:

More information

iphone Mobile Application Guide Version 2.2.2

iphone Mobile Application Guide Version 2.2.2 iphne Mbile Applicatin Guide Versin 2.2.2 March 26, 2014 Fr the latest update, please visit ur website: www.frte.net/mbile Frte Payment Systems, Inc. 500 West Bethany, Suite 200 Allen, Texas 75013 (800)

More information

Montana Acquisition & Contracting System (emacs) emacs Handbook. Vendor Registration and Data Management

Montana Acquisition & Contracting System (emacs) emacs Handbook. Vendor Registration and Data Management Mntana Acquisitin & Cntracting System (emacs) emacs Handbk Vendr Registratin and Data Management Welcme The purpse f this emacs Handbk fr Vendr Registratin and Data Management is t prvide vendrs with the

More information

Directives to LHINs in respect of Reporting Requirements under the BPSAA. Issued By Minister of Health and Long-Term Care

Directives to LHINs in respect of Reporting Requirements under the BPSAA. Issued By Minister of Health and Long-Term Care Directives t LHINs in respect f Reprting Requirements under the BPSAA Issued By Minister f Health and Lng-Term Care Effective April 1, 2011 Table f Cntents 1. BACKGROUND... 2 2. REPORT ON THE USE OF CONSULTANTS...

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

Preventing Identity Theft

Preventing Identity Theft Preventing Identity Theft Each year, millins f Americans have their identity stlen. ENG Lending wants yu t have the infrmatin yu need t prtect yurself against identity theft. While there are n guarantees

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

FNB Cellphone Banking. Frequently Asked Question

FNB Cellphone Banking. Frequently Asked Question FNB Cellphne Banking Frequently Asked Questin Q1: D I need t have a specific cellphne befre I start using Cellphne Banking frm FNB? N, anyne, with any cellphne, n any netwrk can start banking by simply

More information

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines NSW FAIR TRADING Real Estate Fraud Preventin Guidelines Real Estate Fraud Preventin Guidelines Cntents 1. Intrductin..... 2 2. Backgrund.. 2 3. The Law.. 2 4. Cmmissiner s Guidance.... 3 5. Prescribed

More information

About these Guidelines. Business Innovation Stream. Nomination Criteria

About these Guidelines. Business Innovation Stream. Nomination Criteria GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PERMANENT) (SUBCLASS 888) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

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

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

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

FAQs regarding our system upgrade

FAQs regarding our system upgrade FAQs regarding ur system upgrade 1) Q: Why are yu upgrading yur cre data prcessing system? A: An upgrade is the act f making smething better, such as an imprved experience r a human interactin. At Arsenal

More information

Delaware State Housing Authority. Delaware First-Time Homebuyer Tax Credit

Delaware State Housing Authority. Delaware First-Time Homebuyer Tax Credit Delaware State Husing Authrity Delaware First-Time Hmebuyer Tax Credit The Delaware First-Time Hmebuyer Tax Credit Team Delaware State Husing Authrity (DSHA) has partnered with Hilltp Securities, Inc.

More information

Setting up your New Staff Voicemail. EVA: Exchange Voicemail Access. IT Services

Setting up your New Staff Voicemail. EVA: Exchange Voicemail Access. IT Services Setting up yur New Staff Vicemail EVA: Exchange Vicemail Access IT Services 1. Welcme t the Exchange 2010 Unified Messaging Instructins fr campus Staff vicemail Cventry University is rlling ut a new email

More information

Internet Banking Agreement and Disclosure Statement

Internet Banking Agreement and Disclosure Statement Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Bill Payment Services, Mbile Banking and On Demand

More information

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs We enclse material which sets ut: Letter f Engagement Infrmatin fr clients which lawyers are required by the New Zealand Law Sciety t prvide; and Our standard terms f engagement. Services t be prvided

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Consumer Guide to Health Insurance Appeals

Consumer Guide to Health Insurance Appeals Cnsumer Guide t Health Insurance Appeals Table f Cntents Intrductin Where t start Step 1: Identify the surce f yur cverage and the issue Where d yu get yur cverage? What kind f denial did yu receive? Is

More information

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS fr STUDY ABROAD PROGRAMS Belw is a list f items t address and questins that need t be addressed in the cmprehensive safety assessment. In additin t the safety

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

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

Peratr Accreditatin and Services in Queensland

Peratr Accreditatin and Services in Queensland Infrmatin Bulletin PT 204/09.15 Operatr Accreditatin fr Limusine Services What is peratr accreditatin? The Transprt Operatins (Passenger Transprt) Act 1994 requires peratrs f public passenger services

More information

A+ Nannies Inc. 4600 Monterey Oaks Blvd Suite 126 Austin, TX 78749 Office: 512-660-7587 Fax: 1-888-202-7738 Jessica@aplusnanniesinc.

A+ Nannies Inc. 4600 Monterey Oaks Blvd Suite 126 Austin, TX 78749 Office: 512-660-7587 Fax: 1-888-202-7738 Jessica@aplusnanniesinc. Family-Agency Agreement A+ Nannies Inc. 4600 Mnterey Oaks Blvd Suite 126 Austin, TX 78749 Office: 512-660-7587 Fax: 1-888-202-7738 Jessica@aplusnanniesinc.cm This Agreement is made this day f, 20, between

More information

POLICIES AND PROCEDURES

POLICIES AND PROCEDURES POLICIES AND PROCEDURES Department: Campus Safety and Security and Welcme Center/Infrmatin Subject: Rental Vehicle Insurance Date Issued: December 16, 2005 Date Revised: March 23, 2009; Octber 1, 2011

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

SMSF Annual Accounts and Statutory Returns

SMSF Annual Accounts and Statutory Returns SMSF Annual Accunts and Statutry Returns Thank yu fr cnsidering SMSF Wrks t undertake the preparatin f yur fund s statutry accunts. We have attempted t utline the dcumentatin required t cmplete yur fund

More information

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900 MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and

More information

Homeowner s Guide To Assignment of Mortgage Payments Sales

Homeowner s Guide To Assignment of Mortgage Payments Sales Hmewner s Guide T Assignment f Mrtgage Payments Sales America s leading netwrk f nn-traditinal real estate authrities! Sellers that NEED TO SELL a prperty, but CANNOT AFFORD TO, because f the amunt wed,

More information

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

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

Media Relations 101. Distribute to media. Editorial content/format

Media Relations 101. Distribute to media. Editorial content/format Media Relatins 101 Indiana 811 is requesting the supprt f its stakehlders in spreading the wrd t lcal media, and therefre cnsumers, abut safe digging thrughut the year. Indiana 811 has created this dcument

More information

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options)

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options) Dear Custmer: Thank yu fr cntacting Custmer Care regarding the clsure f yur Individual Retirement Accunt (IRA). In rder t prcess yur request, please cmplete the enclsed Request fr Distributin frm. Yu may

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

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

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

City of Newburgh DEPARTMENT OF PLANNING & DEVELOPMENT City Hall 83 Broadway Newburgh, New York 12550 www.cityofnewburgh-ny.gov

City of Newburgh DEPARTMENT OF PLANNING & DEVELOPMENT City Hall 83 Broadway Newburgh, New York 12550 www.cityofnewburgh-ny.gov City f Newburgh City Hall 83 Bradway Newburgh, New Yrk 12550 www.cityfnewburgh-ny.gv Hmewner Emergency Repair Prgram Applicatin 2015-2016 Page 1 f 9 06/01/2016 City f Newburgh City Hall 83 Bradway Newburgh,

More information

67.50. Your child s health is our priority. Bupa schools scheme. bupa.co.uk ONLY PER TERM PER CHILD. Provided by

67.50. Your child s health is our priority. Bupa schools scheme. bupa.co.uk ONLY PER TERM PER CHILD. Provided by Prvided by Bupa schls scheme Yur child s health is ur pririty 67.50 PER TERM PER CHILD * ONLY bupa.c.uk *Thesubscriptinrateappliesfrmembershipyear1September2013 t31august2014.thissubscriptinrateincludesinsurancepremium

More information

Creating Your First Year/Semester Student s Group Advising session

Creating Your First Year/Semester Student s Group Advising session 1 Creating Yur First Year/Semester Student s Grup Advising sessin This dcument is meant as a spring bard t get yu thinking abut yur wn grup advising sessins based n yur campus demgraphics. This is nt an

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

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents BRILL s Editrial Manager (EM) Manual fr Authrs Table f Cntents Intrductin... 2 1. Getting Started: Creating an Accunt... 2 2. Lgging int EM... 3 3. Changing Yur Access Cdes and Cntact Infrmatin... 3 3.1

More information

List & Report Request Form Fields

List & Report Request Form Fields 06/04/15 List & Reprt Request Frm Fields WFAA staff and UW campus partners are respnsible fr submitting List & Reprt requests t the BI/Reprting team that prvide necessary infrmatin. This ensures requests

More information

Process for Responding to Privacy Breaches

Process for Responding to Privacy Breaches Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident

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

PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS

PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS 1) Hw d I determine which service I need? 2) Hw d I bk face t face interpreters? 3) Hw d I bk telephne interpreters? 4) Hw

More information