DEBT MANAGEMENT CENTER
|
|
- Clementine Bennett
- 8 years ago
- Views:
Transcription
1 DEBT MANAGEMENT CENTER School Liability Debt Payment Procedures Tim Wheeler 1
2 DMC Mission Statement Our primary mission is to collect debts in the most efficient and cost effective manner possible while maintaining compassionate, high quality service to Veterans and their families. 2
3 Debt Management Center We are located with the VA Regional Office in St. Paul, MN Debt Management Center (DMC) was established in July 1991 We provide debt collection services to the Veterans Benefits Administration (VBA) and the Veterans Health Administration (VHA) We have jurisdiction for collection of overpayments for Compensation, Pension, Vocational Rehabilitation, Education, and Home Loan Guarantee benefits We service approximately 575,000 accounts with a portfolio totaling about 1.5 billion dollars Our office is staffed by 165 employees; almost half of our staff are Veterans 56 telephone financial specialists answer about 2,300 phone calls per day 3
4 What action creates debts? Terminations Student stopped attending or never attended Reductions/Adjustments Student reduces course load Amendments Tuition and/or fees changed Based other tuition and fees received (waivers/scholarships) Incorrect Amount Certified to VA Paid for wrong student Paid more money than certified 4
5 Why Would a School Have a Debt? Student never attended classes for which he/she was certified (regardless of the reason for non-attendance) The student completely withdraws on or before the first day of the term. If a student reduces, the debt shall be assessed to the student The school received a payment for the wrong student. The school received a duplicate payment The school submitted an amended enrollment certification and reported reduced tuition and fee charges, reduced Yellow Ribbon amount, or both The student dies during the term or before the start of the term VA issued payment above the amount certified on the enrollment certification that was used to process the payment (VA data entry error) 5
6 The Collection Process Amended 1999B is submitted to the Regional Processing Office (RPO) Letter sent to School Certifying Official (SCO) Letter contains Term dates and the reason for debt Letter advising Notification of Indebtedness (NOI) will be sent by the Debt Management Center (DMC). DMC letter will contain payment and dispute information 6
7 The Collection Process Cont d First Notice of Indebtedness sent by DMC, letter provides information regarding: Where to send payment, including return envelope and payment remittance stub address: dmcedu.vbaspl@va.gov Toll-free number for DMC: All disputes should be processed through DMC to ensure proper follow-up and possible suspension of collection action, all disputes should be submitted via to dmcedu.vbaspl@va.gov. All payments should go to the Debt Management Center not the RPO. 7
8 The Collection Process Cont d Second Notice of Indebtedness sent by DMC, 30 days from initial notification letter, advises: Where to send payment, including return envelope and payment remittance stub address: dmcedu.vbaspl@va.gov Toll-free number for DMC: All disputes should be processed through DMC to ensure proper follow-up and possible suspension of collection action, all disputes should be submitted via to dmcedu.vbaspl@va.gov. All payments should go to the Debt Management Center not the RPO. 8
9 The Collection Process Cont d Third Notice of Indebtedness sent by DMC, 30 days from second notification letter, advises: Where to send payment, including return envelope and payment remittance stub address: dmcedu.vbaspl@va.gov Toll-free number for DMC: If payment is not received and applied within 60 days, account will be referred to the U.S. Department of Treasury, Treasury Offset Program (TOP). 9
10 Why TOP? On occasion, an entity s indebtedness to the Federal Government will become delinquent. As required by Federal law, Federal agencies submit these delinquent debts to the Treasury Offset Program (TOP) for interception of eligible Federal and state payments payable to the delinquent debtor, a process known as centralized offset. TOP is a centralized offset program managed and operated by the Department of Treasury s Financial Management Services (FMS). Before submitting a debt to TOP, a creditor agency must certify that the debt is valid, delinquent and legally enforceable and that the agency complied with all the due process pre-requisites prior to offset. This means that, at least 60 days prior to the submission to TOP, the creditor agency has sent notice to the debtor stating the amount and type of debt and the agency s intention to refer the debt to TOP for offset. The creditor agency provided the debtor with the opportunity to resolve the debt through a repayment agreement and/or to dispute the agency s claim. 10
11 Why TOP cont. After a nontax debt has been submitted for offset, TOP compares a payee s taxpayer identification number (TIN) and name. If there is a match, the payee s account is intercepted in the amount and to extent authorized by Federal law. The intercepted payment is applied to the debtor s debt balance. A TIN identifies the debtor in the same way that it identifies the taxpayer for purposes of the Internal Revenue Code. Pursuant to regulations governing TOP, all subdivisions or organizations sharing a single TIN are responsible for all debts associated with that TIN. TREASURY DIRECT CONTACTS Treasury Help Line:
12 Improvements in TOP Refund Process In April 2013, DMC began processing all TOP refunds: Refund is sent to the School Certifying Official Mailings are sent to the current address in the RPO s WEAMS database for the Facility Code where the debt was established New process includes a letter sent to the institution receiving the refund provides: Name of student Last four of student s SSN School Facility Code number TOP trace number The date of the Treasury offset letter The amount of the Treasury offset Contact information at Treasury 12
13 DEPARTMENT OF VETERANS AFFAIRS Debt Management Center Bishop Henry Whipple Federal Building P. O. Box St. Paul, MN July 15, 2013 School Certifiying Official File No. 00/75B Fax Number (612) Toll-Free Dear Certifying Official: Our office recently received a payment offset from the United States Department of the Treasury, Treasury Offset Program (TOP) to be applied to your school liability. The offset was in regard to the following student: Name of Student Last Four of SSN School Facility Code The following details regarding the offset were provided to the Debt Management Center by Treasury: Date of Offset Payment Amount of Offset TOP Trace Number Our records do not show a balance due on this account. Therefore, we are refunding the amount of. Please notify your Bursar s Office to expect this payment. Veteran Benefit Administration (VBA) determined the debt was valid and properly referred; therefore, no fees will be refunded. If your Taxpayer Identification Number (TIN) is linked to several facility codes or agencies and you need further details regarding the funds that were offset, please contact the TOP Help Desk at The person contacting Treasury must have a title that indicates a need-to-know; and you will need to provide your school TIN and at least one of the following: 1. The date of the original payment that was offset (see Date of Offset Payment above) 2. The amount of the original payment 3. The amount of the offset (see Amount of Offset above) Once you have provided one of the three items above, TOP can provide a copy of the Notice of Offset Letter which will include the following information: the paying Federal agency, type of debt being collected, date of the original payment that was offset, the amount of the original payment, and the amount of the offset. If you have any other questions regarding this letter or the original VA debt, you may them to dmcedu.vbaspl@va.gov or you may contact DMC toll-free at Sincerely yours, Chief of Operations Debt Management Center
14 Improvements in TOP Refund Process New refund letter process includes: If this is a duplicate offset, fees will be included in the payment, if appropriate (and temporarily) Each amount is thoroughly researched to determine if the fee is due Not bundled with other payments Response time is under 10 business days from when DMC receives funds from Treasury The additional data elements needed for follow up with Treasury 14
15 Improvement of Dispute Process Prior to April 2013 schools had two options for disputing their debts 1. Contact the RPO 2. Contact DMC This process duplicated efforts and created confusion. In April 2013, Veterans Benefits Administration, Office of Resource Management and DMC collaborated and issued VA-wide Guidance on a new dispute process DMC is now a single point of contact for schools for any established debts being disputed. This allows: 1. Single point of contact for disputes 2. Reduced confusion and less duplication of efforts 3. Ensures collection efforts are suspended during a timely dispute inquiry 4. Allows clear oversight in tracking and addressing outstanding disputes 15
16 What Happens When DMC Receives Your Dispute We review your to determine why you are disputing the debt, and if DMC can answer your question and resolve your dispute If DMC can answer your question, we provide a response to your If DMC needs more information to answer your question, we will let you know that we have suspended collection action and forwarded your dispute to the Regional Processing Office (RPO) for a detailed review. Once the review is completed, the response is forwarded to DMC and we contact you regarding the findings Collection action is suspended on your account until the dispute is resolved, unless your account has already been referred to the Treasury Offset Program (TOP). In this case, your account is not recalled from TOP DMC will acknowledge receipt of your dispute inquiry and will keep you apprised of any change in collection status Responses from the RPO should be received within 30 days. If 30 days has passed and DMC has not received an answer to the dispute, we contact the RPO directly requesting status. Disputes are tracked by DMC on a reoccurring basis 16
17 What Happens After my Dispute has Been Answered? If not valid The debt is cleared If valid Collection action resumes, if appropriate: 1. sent from DMC with decision 2. Next appropriate collection letter is sent 3. In May 2013, DMC changed the timeframe in which disputed debts are referred to TOP a. Previously, if a debt was deemed valid and removed from dispute status, collection action resumed immediately b. Collection action is now suspended for an additional 30 days to allow time to repay the debt before TOP referral c. This only occurs when the 3 rd Notice of Indebtedness has already been sent 17
18 What Procedures Should You Follow When Sending Payments to DMC? 1. You should not send any funds to DMC until your school receives a collection letter from DMC 2. If you did not receive a collection notice or letter from DMC or a letter from your education RPO referencing a debt, verify with your certifying official that the information regarding any change in enrollment or tuition and fee charges was sent to the Education RPO, before you send payment 1. If you send payment without verifying that a debt exists and you do not include the tear off payment stub from the DMC letter, application of your payment will be delayed 2. The DMC payment stub, from the bottom of our letter, should be included with your payment. This will expedite processing 18
19 Can You Send One Check for Multiple Students? Yes, however, you should send the remittance stubs with your payment and a list with the file numbers and dollar amounts the check covers. You need to make sure that the check you send totals the amount of debts you want it applied to. If you send additional funds and DMC does not know what debt to apply it to, DMC may have to return the check to you for additional information. 19
20 What if you sent payment to the RPO before the DMC/Muskogee consolidation and the debt has not cleared? Gather information about the payment. We will need to know the date, amount, and number of the check, as well as the Social Security Number of the student If it was cashed, please provide DMC with a copy of the front and back of the check Fax the information to DMC, Attention: Correspondence Unit at , or you can DMC at dmcedu.vbaspl@va.gov DMC will follow up with the RPO If payment was not applied and an offset was received through TOP, the RPO of jurisdiction will refund your payment and the fee charged by Treasury 20
21 How Does the School Make a Payment With DMC? ACH payments can be made on our PayVA website: The person making the payment will need some of the information listed on DMC s letter to ensure proper credit. DMC s mailing address is: DMC (389) PO Box St. Paul, MN
22 What if You Need to Contact DMC Directly? inquiries may be directed to: Otherwise, the toll free number to our call center is: fax 22
23 Things You Should Know All disputes should be ed to Wait to receive the DMC letter before submitting your payment. Include the payment remittance slip with your check DMC s toll-free number is DMC can provide you with an updated spreadsheet to include all your current debts. Send an request with your facility code(s) to dmcedu.vbaspl@va.gov If you have received a DMC letter advising your account will be referred to TOP, your payment must be applied to the debt within 60 days of the date of DMC s collection letter 23
24 Other Enhancements January 2012, Centralized Processing of School Liability Collections 1. DMC s current business standard is two business days 2. Muskogee RPO researches unidentified payments for proper application May 2012, Improved communication efforts between DMC and Schools 1. DMC created an unique account for school debt inquiries/disputes 2. Response within 5 business days 3. Continuous training to DMC staff to improve quality 24
25 Other Enhancements December 2012, DMC reached out to Department of Treasury 1. Clear up questions on Fedwire payments 2. Contact information for Treasury 3. Treasury will provide school listings of debts referred to TOP by TIN (taxpayer identification number) by calling Treasury Help To receive this report the school Controller needs to send Treasury written authorization requesting release of the information 4. Information and guidance on TOP debt collection process 5. Recommendations to avoid payment delays when TOP offsets occur March 2013, DMC modified collection letters 1. Changes included a) Centralization of the dispute process b) Detailed information regarding our Call Center 25
26 Other Enhancements April 2013, Centralized dispute process 1. Single point of contact for disputes 2. Reduced confusion and less duplication of efforts 3. Ensures collection efforts are suspended during a timely dispute inquiry 4. Allows clear oversight in tracking and addressing outstanding disputes May 2013, Program changes 1. Ensures for a full 60 days after the 3 rd collection letter before referral to TOP 2. Payment receipt or paid in full letters for TOP offsets August 2013, Automatic Current Debt List Mailing 1. Each month VBA now mails a current debt list to the address on file in WEAMS for each school facility code. Future 1. Continue to participate in School Association Conferences a) Education b) Improve VA policies and procedures c) Establish dialogue and communications d) Term dates on DMC s first collection letter 26
27 Questions 27
DEBT MANAGEMENT CENTER. School Liability Debt Payment Procedures
DEBT MANAGEMENT CENTER School Liability Debt Payment Procedures Shawn Kroener Cindy Gerdes 1 DMC Mission Statement Our primary mission is to collect debts in the most efficient and cost effective manner
More informationDEBT MANAGEMENT CENTER (DMC)
DEBT MANAGEMENT CENTER (DMC) School Tuition Debt Payment Procedures Nicole Haselberger 1 Overview of Topics About DMC How and Why Debts are Established for Schools The Collection Process TOP FAQ Questions?
More informationDepartment of Veterans Affairs Debt Management Center (DMC) School Tuition Debt Payment Procedures
Department of Veterans Affairs Debt Management Center (DMC) School Tuition Debt Payment Procedures 1 Overview of Topics About DMC Debt Establishment The Collection Process Making Payment to DMC The Treasury
More informationDepartment of Veterans Affairs Debt Management Center (DMC)
Department of Veterans Affairs Debt Management Center (DMC) School Tuition Debt Payment Procedures Jamie Jones Julie Lawrence 1 Overview of Topics About DMC Debt Establishment The Collection Process Making
More informationDepartment of Veteran Affairs Debt Management Center
Department of Veteran Affairs Debt Management Center 2012 CONFERENCE March 20-23, 2012 School Liability Debt Payment Procedures Cindy Gerdes Tim Wheeler 1 When did DMC begin the check deposit/application
More informationAVECO 2013 Debt Process. VA Regional Processing Office St Louis, MO
AVECO 2013 Debt Process VA Regional Processing Office St Louis, MO CHAPTER 33 FISCAL ISSUES Generally overpayments of VA benefits are the responsibility of the student. However, there are instances under
More informationSCHOOL FISCAL ISSUES, STUDENT OVERPAYMENTS, AND DEBT COLLECTION
SCHOOL FISCAL ISSUES, STUDENT OVERPAYMENTS, AND DEBT COLLECTION 87 CHAPTER 33 FISCAL ISSUES Generally overpayments of VA benefits are the responsibility of the student. However, there are instances under
More informationSCHOOL DEBT PROCEDURES REFERENCE GUIDE
SCHOOL DEBT PROCEDURES REFERENCE GUIDE There is much confusion from School Certifying Officials on how school debts are established and more importantly, the actions schools need to take to clear a school
More informationHow To Refund A Veteran Discount From Muskogee
Department of Veterans Affairs 0 Reporting and Processing Tuition and Fees This presents a broad overview of Chapter 33 and may not be relevant in all situations. Please contact the Education Service office
More informationDepartment of Veterans Affairs Debt Management Center (DMC)
Department of Veterans Affairs Debt Management Center (DMC) 1 Agenda About DMC Debt Establishment DMC Collection Process Debt Resolution Options Homeless Veterans Contacting DMC Questions 2 Abbreviations
More informationVeterans Education Programs Update
Veterans Education Programs Update David K. Hendrickson, Chair Paul L. Hill, Chancellor Skip Gebhart Director, Veterans Education Programs Ron Marcinko Education Liaison Representative US Department of
More informationHow To Pay For College With A Veteran Military Pension
Session #47 VA Education Benefit Programs and Resources for Students Barrett Y. Bogue Outreach Development Team Leader U.S. Department of Veterans Affairs Provides educational assistance to individuals
More information815 CMR 9.00: DEBT COLLECTION AND INTERCEPT. Section
815 CMR 9.00: DEBT COLLECTION AND INTERCEPT Section 9.01: Purpose, Application and Authority 9.02: Definitions 9.03: Billing Entity Requirements for Collection of Debts 9.04: Simultaneous Submission of
More information815 CMR: COMPTROLLER'S DIVISION 815 CMR 9.00: DEBT COLLECTION AND INTERCEPT. Section
815 CMR 9.00: DEBT COLLECTION AND INTERCEPT Section 9.01: Purpose, Application and Authority 9.02: Definitions 9.03: Billing Entity Requirements for Collection of Debts 9.04: Simultaneous Submission of
More informationU.S. Department of Education Employer s Garnishment Handbook Revised February 10, 2009
U.S. Department of Education Employer s Garnishment Handbook Revised February 10, 2009 Table of Content Introduction Overview... 3 Legislative Authority... 4 Under This Authority:... 4 Sec. 34.19 Amounts
More informationOffice of Management
Office of Management Department Of Veterans Affairs Debt Management and Collections TREASURY ANNUAL DEBT COLLECTION SYMPOSIUM Presented By: Laurie Park, Acting Deputy Assistant Secretary for Finance Department
More informationAudit of the Administrative and Loan Accounting Center, Austin, Texas
Department of Veterans Affairs Office of Inspector General Audit of the Administrative and Loan Accounting Center, Austin, Texas The Administrative and Loan Accounting Center needed to strengthen certain
More informationThe Post 9/11 GI BILL & PL 111-377. Tuesday, July 12, 2011 Worcester State University Certifying Official Conference
The Post 9/11 GI BILL & PL 111-377 Tuesday, July 12, 2011 Worcester State University Certifying Official Conference State Approving Agency Overview The GI Bill (Recap) The Post 9/11 GI Bill How Chapter
More informationDEPARTMENT OF VETERANS AFFAIRS VAROIC PHILADELPHIA 5000 WISSAHICKON AVE PO BOX 8079 PHILADELPHIA PA 19101
DEPARTMENT OF VETERANS AFFAIRS VAROIC PHILADELPHIA 5000 WISSAHICKON AVE PO BOX 8079 PHILADELPHIA PA 19101 j~' ",.~ r- 'r\l)\) ;~ V L ''''008 III Reply ReferTO~ Dear We wrote to you on April 3, 2007, e):plaining
More informationThursday, June 16, 2005 Washington, DC
STATEMENT OF COMMISSIONER RICHARD GREGG U.S. DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE BEFORE THE UNITED STATES SENATE HOMELAND SECURITY AND GOVERNMENTAL AFFAIRS PERMANENT SUBCOMMITTEE ON
More informationPayroll Services Letter
Payroll Services Letter Number: PS05-09.2 Date: June 16, 2008 (Revised May, 2009) Subject: Debt Collections Category: Debt Management Reference: PS05-09.1, Subject: Debt Collections dated June 16, 2008.
More informationFebruary 25, 2013. NACUBO recommends the following five courses of action to address these challenges. 1. Create a System that Allows Batch Uploads.
Testimony for the Record Submitted to the United States House Committee on Veterans Affairs Subcommittee on Economic Opportunity Hearing on Increasing the Functionality of Post-9/11 GI Bill Claims Processing
More informationPAUL W. RAINWATER COMMISSIONER OF ADMINISTRATION. State of Louisiana. Division of Administration Office of Statewide Reporting and Accounting Policy
BOBBY J INDAL GOVERNOR State of Louisiana Division of Administration Office of Statewide Reporting and Accounting Policy PAUL W. RAINWATER COMMISSIONER OF ADMINISTRATION June 3, 2011 MEMORANDUM OSRAP 11-30
More informationU.S. Department of Treasury Offset Program (TOP)
U.S. Department of Treasury Offset Program (TOP) The Treasury Offset Program (TOP) enables the U.S. Department of Treasury to reduce or withhold any of your eligible federal income tax refund by the amount
More informationDebt and the How to Collection Process. Larry W Durant, CPA Chief, Receivable Management Office Farm Service Agency
Debt and the How to Collection Process Larry W Durant, CPA Chief, Receivable Management Office Farm Service Agency Why I Work Back in the Old Days (before 1996) Treasury and OMB combined to coordinate
More informationU.S. Government Receivables and Debt Collection Activities of Federal Agencies
FISCAL YEAR 2011 REPORT TO THE CONGRESS U.S. Government Receivables and Debt Collection Activities of Federal Agencies Department of the Treasury June 2012 department of the treasury washington, dc office
More informationGlossary. is the process of increasing account value, usually associated with interest or other time-dependent increments of account value.
ACCELERATION ACCOUNT SERVICING ACCRUE ACTIVE COLLECTION ADMINISTRATIVE COSTS/ LATE CHARGES ADMINISTRATIVE OFFSET ADMINISTRATIVE WAGE GARNISHMENT (AWG) is declaring the full amount of a debt due and payable
More informationPublic Law 104 134 104th Congress An Act
110 STAT. 1321 Public Law 104 134 104th Congress An Act Making appropriations for fiscal year 1996 to make a further downpayment toward a balanced budget, and for other purposes. Be it enacted by the Senate
More informationCollaboration Series. Intergovernmental Partnership
Intergovernmental Partnership Collaboration Series December 2014 Partnerships Matter: How a Federal, State and Non-Profit Collaboration Improved Efficiencies in Delinquent Debt Collection Contributors
More information1.00 PURPOSE, STATUTORY AUTHORITY, RESPONSIBILITY, APPLICABILITY, DEFINITIONS, AND RULE
DEPARTMENT OF PERSONNEL AND ADMINISTRATION Division of Finance and Procurement ACCOUNTS RECEIVABLE COLLECTIONS 1 CCR 101-6 [Editor s Notes follow the text of the rules at the end of this CCR Document.]
More informationNASA Financial Management Requirements Volume 15, Chapter 4 Effective: September 2008 Expiration: September 2013 CHAPTER 4. BILLINGS AND COLLECTIONS
CHAPTER 4. BILLINGS AND COLLECTIONS TABLE OF CONTENTS 4.1 OVERVIEW...4-1 4.2 POLICY....4-1 4.3 AUTHORITIES AND REFERENCES...4-7 4.4 ROLES AND RESPONSIBILITIES....4-8 4.5 DEFINITIONS....4-10 4-i CHAPTER
More informationDepartment of Veterans Affairs Financial Services Center 1615 Woodward Street Austin, TX 78772
Department of Veterans Affairs Financial Services Center 1615 Woodward Street Austin, TX 78772 Date: January 28 th, 2013 Dear Accounts Receivable Representative & Valued Vendor, President Obama signed
More informationGovernmental Entity Collection Programs Guide Setoff Debt and Government Entity Accounts Receivable (GEAR) SOUTH CAROLINA DEPARTMENT OF REVENUE
Governmental Entity Collection Programs Guide Setoff Debt and Government Entity Accounts Receivable (GEAR) SOUTH CAROLINA DEPARTMENT OF REVENUE MAY 2015 TABLE OF CONTENTS INTRODUCTION... 2 South Carolina
More informationBBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT
BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Visa Business Card Master Agreement (the "Agreement")
More informationVisa Credit Card Cardmember Agreement
Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and
More informationTreasury Offset Program Unemployment Insurance Compensation Debts
Treasury Offset Program Unemployment Insurance Compensation Debts Questions and Answers from the Debt Management Services August 2, 2011 UIC Debts Webinar for U.S. State Governments Treasury Offset Program
More informationVA Education Benefits
VA Education Benefits MGIB Benefits Briefing Today s Content Overview of Ch33 Eligibility & Payments; Basics and Beyond Net Payer ; T&F Payments Enrollment Certification Process Reporting Changes of Enrollment
More informationAccounts Receivable Report
Accounts Receivable Report For the Fiscal Year Ended June 30, 2004 Colorado Department of Personnel & Administration Division of Finance and Procurement Office of the State Controller Leslie M. Shenefelt,
More informationVETERANS SERVICES CENTER
THE UNIVERSITY OF TEXAS-PAN AMERICAN OFFICE OF AUDITS & CONSULTING SERVICES VETERANS SERVICES CENTER Report No. 13-12 OFFICE OF INTERNAL AUDITS THE UNIVERSITY OF TEXAS - PAN AMERICAN 1201 West University
More informationS. XXX, the Student Loan Borrower Bill of Rights Senators Durbin, Warren, Boxer, and Reed Section by Section
S. XXX, the Student Loan Borrower Bill of Rights Senators Durbin, Warren, Boxer, and Reed Section by Section Section 1. Short Title The Student Loan Borrowers Bill of Rights Section 2. Truth in Lending
More informationKENTUCKY DEPARTMENT OF REVENUE OFFER IN SETTLEMENT APPLICATION CHECKLIST. Form 12A018 (08/12)
CHECKLIST I. BEFORE COMPLETING THE APPLICATION, PLEASE VERIFY THAT YOU ARE ELIGIBLE TO SUBMIT AN OFFER IN SETTLEMENT! Check (a) or (b) to each question below. If you check (a), you may proceed to the next
More informationImproving Minnesota State Debt Collection
Improving Minnesota State Debt Collection Study and Recommendations presented to the Governor and Legislature of the State of Minnesota February 15, 2006 This report was prepared in accordance with the
More informationThe state's collection procedures are detailed in the State Administrative Manual. Collection steps may include some or all of the following:
This report is submitted to meet the provisions of Government Code (GC) Section 13292.5, requiring annual reporting by the Department of Finance to the Legislature on the status of delinquent receivables
More informationSubpart C Administrative Wage Garnishment
Small Business Administration 140.11 (m) Where an IRS tax refund offset is sought, SBA must follow the Department of the Treasury s regulations governing offset of a past-due, legally enforceable debt
More informationCredit Card Agreement and Disclosure Statement
Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest
More informationUNITED STATES TRUSTEE REGION 8 GUIDELINES FOR DEBTORS-IN-POSSESSION
UNITED STATES TRUSTEE REGION 8 GUIDELINES FOR DEBTORS-IN-POSSESSION 1. GENERAL REQUIREMENTS A. Compliance with Laws & Rules - The debtor is required to comply in all respects with the Bankruptcy Code,
More informationDepartment of Veterans Affairs January 2013 0101 OVERVIEW... 2 0102 POLICIES... 2 0103 AUTHORITY AND REFERENCES... 3
VA Financial Policies and Procedures CHAPTER 1F 0101 OVERVIEW... 2 0102 POLICIES... 2 0103 AUTHORITY AND REFERENCES... 3 0104 ROLES AND RESPONSIBILITIES... 4 0105 PROCEDURES... 4 0106 DEFINITIONS... 10
More informationPersonal Line Of Credit terms and conditions
Personal Line Of Credit terms and conditions 1. Introduction 1.1 Definitions Unless otherwise indicated, the words: Account means the line of credit account that you have been approved for by ATB as set
More information1. Responsibility: 2. Lost Card Notification: 3. Liability for Unauthorized Use: 4a. Credit Line:
In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement. Card means the VISA Credit Card and any duplicates and renewals we issue. Everyone
More informationAccounts Receivable Report
Accounts Receivable Report For the Fiscal Year Ended June 30, 2002 Colorado Department of Personnel & Administration Division of Finance and Procurement Office of the State Controller Arthur L. Barnhart,
More informationW June 10, 1999. B/Chief Financial Officer F/Associate Administrator for Human Resources and Education
W June 10, 1999 TO: FROM: SUBJECT: B/Chief Financial Officer F/Associate Administrator for Human Resources and Education W/Assistant Inspector General for Auditing Final Report on Audit of NASA s Non-Tax
More informationDISCHARGE APPLICATION: TOTAL AND PERMANENT DISABILITY IMPORTANT INFORMATION William D. Ford Federal Direct Loan Program
OMB No. 1845-0065 Fo rm Ap pro ved Exp. Date 6/30/2016 DISCHARGE APPLICATION: TOTAL AND PERMANENT DISABILITY IMPORTANT INFORMATION William D. Ford Federal Direct Loan Program TPD- APP Federal Family Education
More informationMODIFICATION, TERMINATION OR SUSPENSION OF TEMPORARY DISABILITY BENEFITS
RULE IX MODIFICATION, TERMINATION OR SUSPENSION OF TEMPORARY DISABILITY BENEFITS A. TERMINATION OF TEMPORARY DISABILITY BENEFITS BY AN ADMISSION OF LIABILITY IN CLAIMS ARISING PRIOR TO JULY 2, 1987, AT
More informationU.S. Government Receivables and Debt Collection Activities of Federal Agencies
FISCAL YEAR 2013 REPORT TO THE CONGRESS U.S. Government Receivables and Debt Collection Activities of Federal Agencies Department of the Treasury July 2014 department of the treasury washington, dc office
More informationFOOD AND NUTRITION SERVICES CERTIFICATION CLAIMS NC Debt Setoff Collection (Tax Intercept) Procedures
FS 850 NC DEBT SETOFF COLLECTION (DOR) PROCEDURES 850.01 WHAT IS SETOFF DEBT COLLECTION (TAX INTERCEPT)? A. Definition of Setoff Debt Collection (Tax Intercept) NC Debt Setoff (Tax Intercept) is the process
More information12.90-18.00% when you open your account. This APR
DuPont Community Credit Union MasterCard Platinum Credit Card Agreement Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for 6 monthly statement periods
More informationChoosing and Using Credit Cards
A WorkLife4You Guide Choosing and Using Credit Cards Chances are you ve gotten your share of preapproved credit card offers in the mail, some with low introductory rates and other perks. Many of these
More informationTREASURY INSPECTOR GENERAL FOR TAX ADMINISTRATION
TREASURY INSPECTOR GENERAL FOR TAX ADMINISTRATION The External Leads Program Results in the Recovery of Erroneously Issued Tax Refunds; However, Improvements Are Needed to Ensure That Leads Are Timely
More informationACCOUNTS PAYABLE POLICIES AND PROCEDURES
ACCOUNTS PAYABLE POLICIES AND PROCEDURES...... Accounts Payable Payment Processing General Information Overview of the Disbursement Voucher Disbursement Voucher Approval Payments Against Purchase Orders
More informationELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
More informationVISA Platinum Disclosures
VISA Platinum Disclosures Annual Percentage Rate Grace Period for repayment of balances for purchases Method of computing the balance for purchases Annual fee See Current Rate Sheet 25 Days Average Daily
More informationGeneral Terms Applicable to Bill Payment and Transfer Services
Please read this document carefully and print a copy for your reference. You may refer back to it at any time on this website. General Terms Applicable to Bill Payment and Transfer Services Your use of
More informationDepartment of Veterans Affairs January 2013 Accounts and Interest Receivables Volume V Chapter 6 0601 OVERVIEW... 2 0602 POLICIES...
VA Financial Policies and Procedures Accounts and Interest Receivables CHAPTER 6 0601 OVERVIEW... 2 0602 POLICIES... 3 0603 AUTHORITY AND REFERENCES... 10 0604 ROLES AND RESPONSIBILITIES... 11 0605 PROCEDURES...
More informationCARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES
IMPORTANT INFORMATION TO READ AND SAVE CARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES (MEMBERSHIP RULES) CARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES This agreement ( Agreement
More informationInterest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness.
Visa Platinum Rewards Credit Card Account Opening Disclosure Interest Rates and Interest Charges For Purchases, and Cash Advances For Balance Transfers 9.9% This APR may change based upon your creditworthiness.
More informationAtlanta Bar Association LAWYER REFERRAL AND INFORMATION SERVICE OPERATING RULES
Atlanta Bar Association LAWYER REFERRAL AND INFORMATION SERVICE OPERATING RULES The Board of Trustees for the Lawyer Referral and Information Service shall be responsible for the general oversight of the
More informationELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
More informationFair Credit Billing Act
Truth in Lending Act, Amendments Fair Credit Billing Act 15 USC 1601 July 9, 1986 THE FAIR CREDIT BILLING ACT Public Law 93-495 93rd Congress - H.R. 11221 TITLE III - FAIR CREDIT BILLING 301. Short Title
More informationAssessment and Collection of Selected Penalties. Workers Compensation Board
New York State Office of the State Comptroller Thomas P. DiNapoli Division of State Government Accountability Assessment and Collection of Selected Penalties Workers Compensation Board Report 2011-S-3
More informationDEPARTMENT OF LABOR AND INDUSTRIES
STATE OF WASHINGTON DEPARTMENT OF LABOR AND INDUSTRIES PO Box 44326 Olympia, WA 98504-4326 Dear Vocational Provider, Thank you for your interest in treating Washington s injured workers. This application
More informationThe Examination Process. The IRS Mission
The IRS Mission Provide America s taxpayers top quality service by helping them understand and meet their tax responsibilities and by applying the tax law with integrity and fairness to all. The Examination
More informationTABLE OF CONTENTS. Introduction: Levy on Bank Accounts... 7610. Notice of Bank Levy... 7620. Levy Questionnaire... 7630. Exemption Notice...
TABLE OF CONTENTS SECTION HEADING SECTION NUMBER Introduction: Levy on Bank Accounts... 7610 Notice of Bank Levy... 7620 Levy Questionnaire... 7630 Exemption Notice... 7640 Bank's Responses to Levy...
More informationShare Secured Visa Credit Card Agreement. 10.99% when you open your accounts, based on your credit worthiness.
Share Secured Visa Credit Card Agreement Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases APR for Balance Transfers 10.99% 10.99% when you open your accounts, based on your
More information78th OREGON LEGISLATIVE ASSEMBLY--2015 Regular Session. Enrolled. House Bill 2089
78th OREGON LEGISLATIVE ASSEMBLY--2015 Regular Session Enrolled House Bill 2089 Introduced and printed pursuant to House Rule 12.00. Presession filed (at the request of House Interim Committee on Revenue)
More informationMASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT
MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account
More informationAll references to "Internet Banking" reflect the CU Online services offered by FORUM Credit Union.
Electronic Funds Transfer Agreement This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services
More informationOffice of the State Controller. Self-Assessment of Internal Controls. Accounts Receivable Cycle. Objectives and Risks
Office of the State Controller Self-Assessment of Internal Controls Accounts Receivable Cycle Objectives and Risks Agency Year-End Objectives Ensure that appropriate records are maintained for all businesses,
More informationThe Bureau of the Fiscal Service. Privacy Impact Assessment
The Bureau of the Fiscal Service Privacy Impact Assessment The mission of the Bureau of the Fiscal Service (Fiscal Service) is to promote the financial integrity and operational efficiency of the federal
More informationTravis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure
Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure Please retain for personal records This is your MasterCard Credit Card Agreement and Truth-In-Lending disclosure.
More informationATB Financial MasterCard Personal Cardholder Agreement ( Agreement )
ATB Financial MasterCard Personal Cardholder Agreement ( Agreement ) Effective December 1, 2014 10048253 1. INTRODUCTION 1.1. Definitions In this Agreement, the words: ATB means Alberta Treasury Branches,
More informationFEDERAL DEBT COLLECTION CENTER DESIGNATION
FEDERAL DEBT COLLECTION CENTER DESIGNATION Policy, Procedures, and Standards Revised July 2010 Department of the Treasury Financial Management Service Debt Management Services FEDERAL DEBT COLLECTION CENTER
More informationELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
More informationThe Pima County Attorney s Office Bad Check Program Guidebook
The Pima County Attorney s Office Bad Check Program Guidebook Bad Checks are Bad News The Pima County Attorney s Office Can Help you collect your money! Dear Community Member: The passing of bad checks
More informationChairwoman Foxx, Ranking Member Hinojosa, and members of the Subcommittee, thank you
Testimony of Kathleen S. Tighe, Inspector General U.S. Department of Education Before the Education and the Workforce Committee Subcommittee on Higher Education and Workforce Training U.S. House of Representatives
More informationU.S. SMALL BUSINESS ADMINISTRATION COMMERCIAL LOAN SERVICING CENTER
U.S. SMALL BUSINESS ADMINISTRATION COMMERCIAL LOAN SERVICING CENTER 2120 RIVERFRONT DRIVE, SUITE 100 LITTLE ROCK, AR 72202-1794 (501) 324-5871 FAX (202) 481-2231 FREQUENTLY ASKED QUESTIONS About Administrative
More informationDeborah Langehennig Chapter 13 Trustee
Deborah Langehennig Chapter 13 Trustee Send only plan payments to: PO Box 298 Memphis, TN 38101-0298 Send only correspondence to: 3801 Capital of Texas Hwy South, Suite 320 Austin, TX 78704 www.ch13austin.com
More information2012 GRAND RAPIDS CORPORATION INCOME TAX FORM AND INSTRUCTIONS For use by corporations doing business in the City of Grand Rapids
Grand Rapids Income Tax Department P.O. Box 109 Grand Rapids, Michigan 49501-0109 2012 GRAND RAPIDS CORPORATION INCOME TAX FORM AND INSTRUCTIONS For use by corporations doing business in the City of Grand
More informationUNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS
UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS Please keep these Terms and Conditions handy and refer to them when you need to. And remember, whenever you have a question, you can call
More informationBUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS
BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS This Business MasterCard Disclosure and Agreement sets forth the terms of your Account and includes this document,
More informationOffer in Compromise (Doubt as to Liability)
Form 656-L Offer in Compromise (Doubt as to Liability) CONTENTS What you need to know...2 Important information...2 Form 656-L...5 IRS contact information If you have questions about qualifying for an
More informationPLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
AUG2014 PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT Purchase Annual Percentage Rate (APR) Balance Transfer
More informationACCOUNTING POLICY AND PROCEDURES (APP) MANUAL. TOPIC: Section 4 Receivables 2.0 EFFECTIVE DATE: 12/05/1994
STATE OF WISCONSIN DEPARTMENT OF HEALTH SERVICES DIVISION OF ENTERPRISE SERVICES BUREAU OF FISCAL SERVICES ACCOUNTING POLICY AND PROCEDURES (APP) MANUAL TOPIC: Section 4 Receivables 2.0 EFFECTIVE DATE:
More informationVeterans and Dependants Educational Benefits
Veterans and Dependants Educational Benefits The University of Texas Medical Branch Enrollment Services Veteran Certification 2.210, Ashbel Smith Bldg (Old Red, 2nd floor) 301 University Blvd, Galveston,
More informationVisa Traditional Rewards Student Rewards Signature Non-Rewards
Consumer Credit Card Agreement M-109698 Visa Traditional Rewards Student Rewards Signature Non-Rewards In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit
More information2016-2017 FINANCIAL AID GUIDE For Graduate Students (As of 05/04/2016)
2016-2017 FINANCIAL AID GUIDE For Graduate Students (As of 05/04/2016) HOW TO USE THIS GUIDE The purpose of this guide is to assist you with understanding important information about the financial aid
More informationOverdraft Protection By The Credit Union
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
More informationMILITARY EDUCATION BENEFITS
MILITARY EDUCATION BENEFITS Presented by: John Hockersmith Associate Director of Receivables, Student Loans and Collections University of Illinois October 13, 2014 TEXAS BUC$ 2014 Annual Conference BUC$
More informationELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
More informationMANAGING CLIENT TRUST ACCOUNTS RULES, REGULATIONS, AND TIPS
MANAGING CLIENT TRUST ACCOUNTS RULES, REGULATIONS, AND TIPS This booklet has been prepared by the Vermont Professional Responsibility Program as a guide for both new and experienced lawyers who have questions
More information