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Primary & Secondary Insurance Laws Sapling

Details: Primary & Secondary Insurance Laws. When someone has health insurance coverage under two different policies, one is the primary insurance policy and the other is secondary. Both insurers follow rules for coordination of benefits to determine who the primary insurer is. The primary insurer is responsible for paying claims first.

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Laws on ESOP Payouts Sapling

Details: Laws on ESOP Payouts By Will Conley A group of business colleagues in a meeting Image Credit: altrendo images/Stockbyte/Getty Images An employee stock ownership plan (ESOP) is an investment vehicle designed to promote employee loyalty and align …

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State Laws on Dormant Bank Accounts Sapling

Details: State Laws on Dormant Bank Accounts. When you do not use a bank account for an extended period of time, your bank can assess a dormant account fee. These fees serve two purposes: to generate revenue for the bank and to help banks comply with state abandoned property laws. Every state has laws that require banks to surrender funds held inside

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Laws on Stopping Payment on Checks Sapling

Details: Laws regarding stop payments of checks vary by state, but most have similar laws. Advertisement Fraud for Debts Stopping a payment on a check of a legitimate debt is sometimes considered a fraud or an attempt to fraud. The fraud charge occurs when the check is stopped on a debt payment if the account owner did not talk to the lender about the

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Laws Against Running a Check Through a Bank More …

Details: Laws Against Running a Check Through a Bank More Than 3 Times. When a check does not clear, the check is normally deposited two to three times before a Non-Sufficient Funds (NSF) notification is made. There is no formal rule stating how many times a check can be deposited. The three-time check deposit rule was adopted because of a decision made

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Laws on Renting a Room in a House With No Lease …

Details: Landlord-tenant laws may provide a measure of protection for tenants even when they don't have signed, written leases. States often require eviction proceedings if the landlord wants the tenant-at-will to move out. Some states might follow separate rules on eviction notices for tenants-at-will.

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Texas Adverse Possession Laws Sapling

Details: Texas Adverse Possession Laws. The legal doctrine of adverse possession allows someone who doesn't own a property to become its legal owner in certain situations. Adverse possession is based on common law -- case law -- though it is also governed in Texas by statutes. Talk to a Texas real estate attorney if you need legal advice about an

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Michigan Land Contract Laws Sapling

Details: Land contracts are allowed in Michigan, and specific laws regarding purchase and default apply. Advertisement Michigan Land Contracts A Michigan land contract contains the names and signatures of the seller and buyer, as well as a description, or address, of the property. Land contracts in Michigan should contain the home's purchase price and

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Kentucky Property Laws and Right of Survivorship Sapling

Details: Kentucky Property Laws and Right of Survivorship. When property is purchased, a deed is used to complete and document the transaction. The deed must list the names of the sellers, grantors, buyers and grantees. After the transaction is complete, the deed is filed on public record. The buyers will be added to the property's title.

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Wisconsin's Inheritance Laws Sapling

Details: Wisconsin's Inheritance Laws By Bernadette A. Safrath Inheritance rights in Wisconsin depend on whether a person dies with or without a will. If a person knows whom he wants to name as beneficiaries of his estate when he dies, he should make a will. Without a will, the estate will pass according to Wisconsin's intestate law.

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How to Understand Maxed Out Universal Life Insurance Tax Laws

Details: Maxed-out universal life insurance tax laws refer to the Tax Equity and Fiscal Responsibility Act of 1982, Deficit Reduction Act of 1984, and the Technical and Miscellaneous Revenue Act of 1988. Collectively, these are known as "TEFRA," "DEFRA" and "TAMRA."

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Virginia Rent to Own Laws Sapling

Details: Virginia Rent to Own Laws By Chris Hamilton With rent-to-own properties (lease purchases), a seller (lessor) of a property will offer a lessee (consumer) a home lease. After a specified time period, the lessee may choose to purchase the property for an agreed-upon price. The buyer is charged an option that comes to 1 to 5 percent of the

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South Carolina's Laws for Owner Financing Sapling

Details: South Carolina offers fewer formal protections to buyers under land contracts than the laws of many other states. It allows land contracts to contain forfeiture provisions that entitle the seller to seize the property without foreclosing or paying compensation if the buyer defaults at any time during the installment payment period.

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New York State Car Repossession Laws Sapling

Details: If you default on a car loan in New York, the lender can ask you to turn over the car at a mutually agreed upon place. The lender also has the right to disable or repossess the car, as long as it doesn't break any laws or disturb the peace to do it. Lenders don't need to get court orders before repossessing the vehicles, and they don't need to tell you about their repossession plans until

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Merchandise Return Laws in Florida Sapling

Details: The state of Florida does not have any laws that force merchants to accept a return of a purchased item. However, the state does require merchants to post a notice in the store regarding their "no returns accepted" policy. Without such a notice, consumers have the right to …

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Colorado Bad Check Laws Sapling

Details: The state of Colorado enforces some tough laws on bounced checks.Although the law makes some exceptions for bank errors and a few other situations, the penalties and fines mandated under the Colorado statutes can make writing a bad check expensive.

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South Carolina Buyer's Remorse Laws Sapling

Details: Many consumers get caught up in persuasive sales pitches and later regret their purchases. Like many states, South Carolina has laws that give the buyer the right to cancel certain purchase contracts for a specific amount of time after the sale. Officially called right of rescission, they are more commonly called "buyer's remorse" laws.

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Abandoned Personal Property Laws in Ohio Sapling

Details: A landlord in Ohio has the duty to safeguard a tenant's abandoned property for at least 30 days. The landlord may store a tenant's personal property from an abandoned rental unit in a different location, including a storage locker or unit, and must inform the tenant in …

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Arkansas Inheritance Laws Sapling

Details: Intestacy. When a person does not leave a will, naming beneficiaries to inherit his estate, Arkansas' intestacy laws set forth the order in which his heirs have a right to inherit. Unlike most states, in which the surviving spouse is the first to inherit, Arkansas statute 28-9-214 states that the decedent's children, if living, are entitled in

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Laws on Property Lines in Oklahoma Sapling

Details: Oklahoma state law allows public entities to claim an easement of 3 feet from a public road. This easement can cross an individual's property line in some cases, and the owner also has no right to deny applicable utilities use of the land. Utility easement laws in Oklahoma also allow utility companies to install underground utilities and erect

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Rent Control Laws in Hawthorne, California Sapling

Details: State Law. There are California state laws that protect renters, and all cities, including Hawthorne, must abide by those. For example, landlords in Hawthorne may not ask for a security deposit equal to more than twice the monthly rental amount. They also must return security deposits with an itemized list of deductions within 21 days of a

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Estate Inheritance Laws for South Carolina Sapling

Details: A person's estate typically passes to his heirs when he dies, though an heir stands to inherit an owner's property in several other ways. In South Carolina, for example, a decedent's estate can pass by will, based on ownership, through marriage or in accordance with the state's intestate succession laws.

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The Escheat Laws in California Sapling

Details: The state of California, like most states, has laws in place that mean that the state escheats, or takes possession of, abandoned property. This situation usually occurs when someone without a will dies and no claims are made on the estate. California laws specify the …

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What are the Laws Concerning a Safe Deposit Box

Details: What are the Laws Concerning a Safe Deposit Box? Store your valuables in a safe deposit box. A safe deposit box is a safe and convenient place to store important papers and almost any other small articles that are valuable. In addition to the privacy the box provides, items placed in it are as safe as they can be from loss because of fire

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Private Vs. Government Land Ownership Sapling

Details: Private land use is regulated by state laws and codes established by cities and counties. These are the only three agencies allowed to regulate the use of land. The most common local land use regulation is the zoning or land development code. No private land can be used or developed without zoning compliance.

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Per Diem Payment Laws in California Sapling

Details: Per Diem Payment Laws in California By Sherry Morgan Per diem covers business expenses during travel. California per diem is a monetary allowance for employees who incur job-related travel expenses for work purposes. The Internal Revenue Service provides an outline for employers to go by when paying per diem rates to employees in California.

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What Are My Rights As a Tenant Without a Lease

Details: States and local laws specify grounds for eviction, which usually include non-payment of rent, disturbing the peace, engaging in illegal activities, violating other lease terms (such as having a pet in a no-pet building), or overstaying the end of a lease or tenancy agreement.

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Tennessee Laws on Debt Recovery Sapling

Details: Tennessee laws, however, do not allow collection agencies to call you before 8 a.m. and they cannot call you after 9 p.m., local time. Debt collectors also may not make threats of legal action or arrest that is either not allowed or not actually considered, and they may not place your personal demographic information on any list for publication.

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The Homeowner's Association (HOA) Statute in Alabama Sapling

Details: Laws may also limit the power of HOAs to place restrictions on residents, and they may require an HOA to refund collected dues to residents if it doesn't perform services promised in the initial contract. Alabama Laws At the time of publication, Alabama has no law governing the actions of HOAs. During 2009, Alabama's governor created a task

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Car Repo Laws in Arkansas Sapling

Details: Car Repo Laws in Arkansas By Stephanie Dube Dwilson Car getting hauled away at night. Image Credit: John Moore/Getty Images News/GettyImages In Arkansas, defaulting on a loan or not paying your car insurance fees are sufficient grounds for repossession. However, if a repo agent breaches the peace or takes any personal items that are in your car

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South Carolina Laws Regarding Breaking a Lease Sapling

Details: South Carolina laws require good-faith dealings between landlords and tenants. First enacted in 1986, the act governs apartments, individual rooms in apartments and homes. The state allows both parties to enter into oral and written lease agreements, and the act applies to both.

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What Is the Legality of a Postdated Check

Details: Most state laws say that if you notified your bank about a post-dated check in writing a reasonable time before it receives the check, your bank is legally required to honor your request for six months or the bank will be liable for your fees. With an oral notice, your request is good for only 14 days.

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Laws on Adverse Possession in New Jersey Sapling

Details: Laws on Adverse Possession in New Jersey By Bernadette A. Safrath Adverse possession is the process by which a person can acquire title to a piece of real estate by occupying it. The property must be occupied for a certain period of time, which differs depending upon the state. In New Jersey, the time period and other required elements of

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How Does a Bank Levy for Child Support Work

Details: These laws vary somewhat from state to state, but generally the state can take up to the full amount you owe. Once your bank receives the notice of levy, it either freezes your account until the matter is resolved one way or the other or sends the money immediately to the child support collection unit.

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Earnest Money Laws in South Carolina Sapling

Details: While South Carolina's laws govern what happens to the earnest money once provided by a buyer, the law doesn't specify how much of a payment a buyer can, or must make. In general, this amount is up to the buyer and the seller, but according to Earth Available Realty, Inc., a South Carolina realtor, 1 percent of the home price is a good rule of

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Repossession Laws in Utah Sapling

Details: Repossession Laws in Utah By Tom Streissguth Four wheel drive vehicle on the road in Utah Image Credit: Geir-olav Lyngfjell/Hemera/Getty Images In Utah as in other states, an auto loan is secured by the property purchased with the borrowed funds. In theory, this security assures that the borrower will repay the loan on time, and in full.

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Inheritance Laws in Oklahoma Sapling

Details: Inheritance Laws in Oklahoma By Bernadette A. Safrath A will is an important document if a person knows whom he wants to inherit his property upon his death, especially if those beneficiaries are not relatives. When a person dies without a will, the law sets forth who inherits his property, and it is distributed by law with no exceptions.

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Car Repossession Laws in Michigan Sapling

Details: The Right of Redemption. Assuming the repo agent lawfully takes your vehicle, you have 15 days to get it back. But unless you file for Chapter 13 bankruptcy protection, Michigan law only provides one way you can do this – by redeeming the car. This involves paying off the loan in its entirety, in addition to any repossession fees assessed

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How to Stake a Claim on Land in Louisiana Sapling

Details: Louisiana laws on adverse possession allow anyone to stake a claim on land in Louisiana under specific conditions. Adverse possession, sometimes called squatter's rights, is a legal term that means to assume ownership of property without the original owner's consent.

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Tenants and Abandoned Property Laws in New York State

Details: Property laws distinguish between property that tenants intentionally abandon and property that tenants unintentionally leave behind. Commonly, tenants may unintentionally abandon property during evictions assisted through a sheriff's office or through the marshal's office.

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Alabama Laws on Title Loans Sapling

Details: Alabama Laws on Title Loans By Chris Hamilton Alabama title loans are short-term, high-interest loans secured by the title of a vehicle. If the owner does not pay a title lending business monthly interest on the title, the business may legally seize the vehicle. In Alabama, title lenders are considered to be pawnbrokers, and they do not fall

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Texas Laws on Promissory Notes Sapling

Details: Texas Laws on Promissory Notes. A promissory note sets the conditions for repayment of a loan, to put the terms in writing. A promissory note will include how much is owed, the interest rate, if applicable, and when payments are due. The borrower, or maker, signs the promissory note, which the lender retains as proof of the transaction.

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Texas Eviction Laws on Bonds for Immediate Possession

Details: Texas Eviction Laws on Bonds for Immediate Possession By Jack Ori If tenants don't pay their rent or break other important lease terms, they might face eviction -- a legal process in which a landlord sues for the right to bar the tenant from the premises. Texas has two types of evictions: regular evictions and bonds for immediate possession.

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Is it Legal to Lend Money

Details: Laws apply to these agreements as well, such as requiring you to list your name on a car title if you take a security interest in the car. Advertisement Agreements In general, you can lend money in any way you wish. However, verbal agreements offer a lender the least amount of protection if the debtor defaults. At a minimum, putting the terms

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What Is the Homestead Exemption in Missouri

Details: The homestead exemption in Missouri can be the key to saving your home if you file bankruptcy in Missouri. While Missouri's homestead exemption is not particularly generous compared with the homestead exemptions in some other states, such as Texas, it may be enough to allow you to avoid liquidation of your home in Chapter 7 bankruptcy.

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5 Different Types of Easements Sapling

Details: The laws on easements vary from state to state and can be very complicated. So, if you're thinking of creating an easement or buying a property that is subject to easements, then you definitely will need some legal advice.

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Pennsylvania Rooming House Eviction Laws Sapling

Details: The landlord and tenant laws do not cover evictions for people who are renting rooms in a rooming house, as this rental situation is considered more similar to a hotel rather than a regular rental situation. In this case, the contract with the rooming house applies to eviction rather than Pennsylvania's landlord and tenant laws that are in place.

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