Intercepted Funds Notice State Tax Refund
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DC Wage Garnishment
DISTRICT OF COLUMBIA OFFICIAL CODE 2001 EDITION DIVISION II. JUDICIARY AND JUDICIAL PROCEDURE TITLE 16. PARTICULAR ACTIONS, PROCEEDINGS AND MATTERS. CHAPTER 5. ATTACHMENT AND GARNISHMENT. SUBCHAPTER III. ATTACHMENT AND GARNISHMENT OF WAGES, ETC. § 16-571. Definitions. For purposes of this subchapter – (1) The term “wages” means compensation paid or payable for personal services whether denominated as wages, salary, commission, bonus, or otherwise, and includes periodic payments pursuant to a pension or retirement program. (2) The term “disposable wages” means that part of the earnings of any individual remain- ing after the deduction from those earnings of any amounts required by law to be withheld. (3) The term “garnishment” means any legal or equitable procedure through which the wages of any individual are required to be withheld for payment of any debt. § 16-572. Attachment of wages; percentage limitations; priority of attachments. Notwithstanding any other provision of subchapter II of this chapter, where an attachment is levied upon wages due a judgment debtor from an employer-garnishee, the attachment shall become a lien and a continuing levy upon the gross wages due or to become due to the judgment debtor for the amount specified in the attachment to the extent of: (1) 25 per centum of his disposable wages that week, or (2) the amount by which his disposable wages for that week exceed thirty times the federal minimum hourly wage prescribed by section 6(a)(1) of the Fair Labor Standards Act of 1938 (29 U.S.C. 206) in effect at the time the wages are payable, whichever is less. -
Consumer Credit Counseling
CENTRAL VIRGINIA LEGAL AID SOCIETY, INC. 1000 Preston Ave, Suite B 101 W Broad, Ste 101 2006 Wakefield Street Charlottesville, VA 22903 Richmond, VA 23241 Petersburg, VA 23805 434-296-8851 (Voice) 804-648-1012 (Voice) 804-862-1100 (Voice) 434-296-5731 (Fax) 804-649-8794 (Fax) 804-861-4311 (Fax) Consumer Credit Counseling You may have bills and debts you can’t pay. You are not alone. Many agencies try to help people get out of debt. These are called “credit counseling agencies” or “debt counseling agencies.” You should be very careful about consumer credit counseling. Many agencies do more harm than good. What services does a credit counseling agency offer? Credit counseling usually offers three services. • Budget counseling to help you pay your debts on your own. • A debt management plan, or debt repayment plan, run by the agency. • Referral to other agencies, such as social, financial and legal services. What is a debt management plan? In this plan, the agency arranges lower payments with your creditors. Usually these are your credit cards. Your payments are lower because your creditors agree on lower interest rates. When all the creditors who are in your plan agree, you make one monthly payment to the agency. The agency uses that money to make your lower payments to your creditors. When should I think about a debt management plan? You should think about a plan if two things are true. (1) You can’t pay all your bills and debts, and can’t keep current on all your accounts. (2) You have income or property you could lose to a creditor. -
36670 Federal Register / Vol
36670 Federal Register / Vol. 85, No. 117 / Wednesday, June 17, 2020 / Rules and Regulations DEPARTMENT OF AGRICULTURE FOR FURTHER INFORMATION CONTACT: For been in 7 CFR part 792. In addition, information, contact Iris Roseboro; regulations in 7 CFR parts 1951 and Office of the Secretary telephone: (202) 720–6257; email: 1956 have been used by FSA in the [email protected]. Persons with settlement and adjustments of FSA farm 7 CFR Part 3 disabilities who require alternative loans made under the Consolidated means for communication should Farm and Rural Development Act Federal Crop Insurance Corporation contact the USDA Target Center at (202) (ConAct) and debts related to those 720–2600 (voice). loans. This rule removes 7 CFR part 792 7 CFR Part 400 SUPPLEMENTARY INFORMATION: and 7 CFR part 1951, subpart C. Since 7 CFR part 1956 is also used by the Background Farm Service Agency Rural Development of USDA (RD), those The regulations in 7 CFR part 3 (part regulations are not deleted but are 7 CFR Parts 761, 765, 766, 772, and 792 3) specify the general regulations amended to state affirmatively that they applicable to debt collection activities of do not apply to loans made by FSA and Commodity Credit Corporation USDA agencies and specify the amount debts relating to such loans. In those of civil penalties that USDA agencies limited instances where provisions of 7 7 CFR Part 1403 levy as authorized by law. Federal CFR parts 792, 1951, and 1956 will agencies are required by several laws to continue to be used because of their Farm Service Agency collect debts owed to the United States, specific application to FSA debts, the principally DCIA. -
Bayfield County Clerk of Court's Office
BAYFIELD COUNTY CLERK OF COURT’S OFFICE P.O. BOX 536 WASHBURN, WISCONSIN 54891 Phone: (715) 373-6108 Fax: (715) 373-6317 Business Hours: Monday – Friday, 8:00 a.m. to 4:00 p.m. PAYMENT OF COURT ORDERED OBLIGATIONS Payment Options: Pay the full amount no later than the due date ordered by the Court Pay half of the amount due no later than the due date and make a written request for a 30- day extension to pay the balance. NOTE: A 30-day extension is not automatic—you must request the extension in writing or in person. If there are financial difficulties making payment in full, you may be eligible for a deferred payment agreement through the Clerk of Court’s Office, provided you have a source of income. Applications for deferred payment agreements must be submitted within ten (10) days of conviction to the Clerk of Court’s Office. Late payment plan agreements will require a down payment equal to 10% of the outstanding fine. A $15.00 payment plan fee will be assessed for each payment plan agreement. A $5.00 fee is assessed for each petition to include additional case’s obligation (s) to a current payment plan. At any time you may request a voluntary wage assignment through your employer. Mail or bring payments (personal check, money order or cash) to: The Bayfield County Clerk of Circuit Court 117 East 5th Street, P.O. Box 536 Washburn, Wisconsin 54891 MASTERCARD CREDIT CARD AND BANK CARD (Electronic Check) Transactions are accepted at http://wcca.wicourts.gov/loadCourtFeeCaseSearch.do. -
Repaying Student Loans
UnifyFCU.com 877.254.9328 REPAYING STUDENT LOANS It is not unusual for college tuition to cost $30,000 (discussed more below), private lenders are not or more a year. Some students are able to pay for required to offer these options. it with savings or by getting grants or scholarships. However, many have to turn to student loans to What if you do not remember what types of loans finance at least some of their costs. Taking out you have? Look for your loan documents – you or student loans can pay off in the long run because your parents should have them somewhere. Also, having a college degree usually makes it easier to you can call your lenders and ask. You can access get well-paying jobs. But in the here and now, if information about federal student loans from you borrowed a hefty chunk of money, repaying the National Student Loan Data System (contact your loans may seem like a daunting task. Student information is on page 4). loans payments can rival those of a mortgage, and most graduates aren’t bringing in $300,000 a year When do you have to start paying your at their first job. There is no need to change your student loans? name and flee the country though; it is completely In general, you do not have to repay your student possible to repay your student loans and avoid loans while you are in school (as long as you are default, even if you are facing economic hardship. enrolled at least half-time). -
Deposits — Garnishment of Accounts Containing Federal Benefit Payments
VI. Deposits — Garnishment of Accounts Containing Federal Benefit Payments 3 Garnishment of Accounts Containing agency. If so, the financial institution follows its customary Federal Benefit Payments procedures for handling the order since Federal benefit payments can generally be accessed or garnished by such Introduction agencies. Many consumers receive Federal benefit payments that are If the garnishment order was not obtained by the United States protected under Federal law from being accessed or or issued by a State child support enforcement agency, the “garnished” by creditors, other than the United States financial institution must follow the interagency regulation to government and certain State agencies, through a garnishment protect Federal benefit payments directly deposited into a order or similar written instruction issued by a court. Despite consumer’s account during a two-month “lookback” period. these protections, developments in debt collection practices The interagency regulation contains provisions on the timing and technology, including the direct deposit of benefits, have of an account review, the determination of the protected led to an increase in the freezing of accounts containing amount, notice to the account holder (including a model form) Federal benefit payments by financial institutions that receive regarding the garnishment order, and record retention. In a garnishment order. As a result, the Department of the addition, the interagency regulation allows a financial Treasury (Fiscal Service), the Social Security -
Legislative Fiscal Bureau One East Main, Suite 301 • Madison, WI 53703 • (608) 266-3847 • Fax: (608) 267-6873
Legislative Fiscal Bureau One East Main, Suite 301 • Madison, WI 53703 • (608) 266-3847 • Fax: (608) 267-6873 May 12, 2009 Joint Committee on Finance Paper #675 Audit Bureau and Compliance Bureau Revenue Collection Personnel (DOR -- Departmentwide) This paper includes information related to revenue generating activities performed by personnel in the Audit and Compliance Bureaus of the Wisconsin Department of Revenue (DOR), expanded tax compliance activities undertaken by the Minnesota Department of Revenue (MDOR), and an estimate of additional revenue that could be generated by providing DOR with additional funding and positions for audit and compliance activities. Wisconsin Department of Revenue Audit Bureau. The Audit Bureau of DOR is responsible for auditing income, sales, withholding, motor vehicle fuel, and other excise tax returns, and for auditing homestead, earned income, and farmland preservation tax credit returns. The Bureau conducts field and office audits of tax returns and related documents and information. The audits may result in assessments, or refunds. The Bureau also provides taxpayer assistance and information, and stores over six million documents annually. Adjusted base level funding and position authority for 2009-10 is $26,550,400 GPR, 321.45 GPR positions, $984,800 PR, 12.75 PR positions, $1,351,000 SEG, and 15.75 SEG positions. Consequently, total base level funding for the Bureau is $28,886,200 and the total authorized positions are 349.95. DOR is required to office audit individual and corporate income and franchise tax returns as it deems advisable. An office audit does not preclude the Department from making field audits of the books and records of the taxpayer or from making further adjustments, corrections, and assessments of income. -
The New American Debtors' Prisons
The New American Debtors' Prisons The Harvard community has made this article openly available. Please share how this access benefits you. Your story matters Citation Christopher D. Hampson, The New American Debtors' Prisons (Harvard Law School 2015 Stephen L. Werner Prize: Criminal Justice, Aug. 4, 2015). Citable link http://nrs.harvard.edu/urn-3:HUL.InstRepos:17840773 Terms of Use This article was downloaded from Harvard University’s DASH repository, and is made available under the terms and conditions applicable to Other Posted Material, as set forth at http:// nrs.harvard.edu/urn-3:HUL.InstRepos:dash.current.terms-of- use#LAA DRAFT — DO NOT CITE OR CIRCULATE THE NEW AMERICAN DEBTORS’ PRISONS Christopher D. Hampson* Debtors’ prisons are back, in the form of imprisonment for nonpayment of criminal fines, fees, and costs. While the new debtors’ prisons are not historically or doctrinally continuous with the old, recent developments in criminal law suggest that some parts of them offend the same functional and moral principles that compelled the abolition of the old debtors’ prisons. Legal actors may therefore plausibly interpret the constitutional and statutory texts that abolished the old debtors’ prisons to constitute checks on the new — or a new abolitionist movement might deploy new constitutional texts. While the criminal law literature is starting to grapple with the question of debtors’ prisons, this piece engages with the metaphor head-on and asks how the old ban on debtors’ prisons should be reinterpreted for a new era of mass incarceration. INTRODUCTION ............................................................................................ 2 I. IMPRISONMENT FOR DEBT IN 2015 ......................................................... 8 II. DEBTORS’ PRISONS, OLD AND NEW .................................................... -
Collecting Criminal Justice Debt Through the State Civil Justice System a Primer for Advocates and Policymakers
CRIMINAL JUSTICE DEBT AS A CIVIL JUDGMENT COLLECTING CRIMINAL JUSTICE DEBT THROUGH THE STATE CIVIL JUSTICE SYSTEM A PRIMER FOR ADVOCATES AND POLICYMAKERS By Carolyn Carter, Ariel Nelson, and Abby Shafroth National Consumer Law Center® May 2021 © Copyright 2021, National Consumer Law Center, Inc. All rights reserved. ABOUT THE AUTHORS Carolyn Carter is deputy director of the National Consumer Law Center and has specialized in consumer law issues for over 30 years. She is co- author or contributing author of NCLC legal treatises Collection Actions, Consumer Credit Regulation, Truth in Lending, Unfair and Deceptive Acts and Practices, and Fair Debt Collection. Previously, she worked for the Legal Aid Society of Cleveland, as a staff attorney and as law reform director; and was co-director of a legal services program in Pennsylvania. She has served as a member of the Federal Reserve Board’s Consumer ABOUT THE NATIONAL Advisory Council. Carolyn is a graduate of Brown University and Yale CONSUMER LAW CENTER Law School and is admitted to the Pennsylvania bar. Ariel Nelson is a staff attorney at the National Consumer Law Center Since 1969, the nonprofit focusing on criminal justice debt and credit and background reporting National Consumer Law Center® issues. She is the author of NCLC’s report Broken Records Redux: (NCLC®) has used its expertise How Errors by Criminal Background Check Companies Continue to Harm Consumers Seeking Jobs and Housing; a co-author of NCLC’s in consumer law and energy Commercialized (In)Justice Litigation Guide: Applying Consumer Laws policy to work for consumer to Commercial Bail, Prison Retail, and Private Debt Collection; and justice and economic security a contributing author to NCLC’s Fair Credit Reporting and Collection Actions treatises. -
Virginia Department of Labor and Industry Division of Labor and Employment Law
VIRGINIA DEPARTMENT OF LABOR AND INDUSTRY DIVISION OF LABOR AND EMPLOYMENT LAW FIELD OPERATIONS MANUAL CHAPTER SEVEN GARNISHMENT This document is part of the latest version of the Virginia Department of Labor and Industry Division of Labor and Employment Law’s Field Operations Manual. This document supersedes any and all previous editions. Revised July 2009 VIRGINIA DEPARTMENT OF LABOR AND INDUSTRY DIVISION OF LABOR AND EMPLOYMENT LAW FIELD OPERATIONS MANUAL DISCLAIMER The Field Operations Manual (FOM) is an operations manual that provides the Division of Labor and Employment Law investigators and staff with interpretations of statutory provisions, procedures for conducting investigations, and general administrative guidance. The FOM was developed by the Labor and Employment Law Division under the general authority to administer laws that the agency is charged with enforcing. The FOM reflects policies established through changes in legislation, regulations, court decisions, and the decisions and opinions of the Virginia Department of Labor and Industry. Further, the FOM is not used as a device for establishing interpretative policy. The Virginia Department of Labor and Industry (DOLI) is providing the information in this manual as a public service. This information and other related materials are presented to provide public access to information regarding DOLI programs. It is important to note that there will often be a delay between the official publication of the materials and the modification of these pages. Therefore, no express or implied guarantees are indicated. The Virginia Regulatory Town Hall remains the official resource for regulatory information published by the DOLI. Every effort will be made to address all errors brought to the attention of the Labor and Employment Law Division staff. -
The Military Lending Act Five Years Later
The Military Lending Act Five Years Later Impact On Servicemembers, the High-Cost Small Dollar Loan Market, and the Campaign against Predatory Lending Jean Ann Fox Director of Financial Services Consumer Federation of America May 29, 2012 1 Table of Contents Introduction ………………………………………………………………………3 I. Creditors and Consumer Credit Covered by MLA Rules…………………...5 II. Executive Summary: Findings and Recommendations…………………….9 III. Servicemembers Still Need Protection from Abusive Credit Products………………………………………………………………………14 IV. History of the Military Lending Act and DoD Regulations………………18 V. Impact of MLA on Covered Consumer Credit……………………………..21 VI. Maps Illustrate Impact of Military Lending Act at Selected Bases……...31 VII. Bank Payday Loans Not Covered by MLA Rules………………………..49 VIII. No Impact on Military Installment Loans……………………………….61 IX. No Impact on State Regulation of Lending to Non-resident Borrowers…………………………………………………………………….73 X. No Impact on Retail Installment Sales Credit or Rent-to-Own…………...76 XI. Enforcement Tools for Military Lending Act Must be Strengthened……81 XII. No Impact of Military Lending Act Allotment Protections……………...94 XIII. Impact of MLA on Advocacy to Protect all Americans……………….102 XIV. Access to Relief Society Assistance and Better Financial Options……104 2 The Military Lending Act Five Years Later Impact On Servicemembers, the High-Cost Small Dollar Loan Market, and the Campaign against Predatory Lending by Jean Ann Fox Consumer Federation of America May 29, 2012 Five years ago the Department of Defense -
PROF.4 05/11/17 Page 2
A SFMS Desk Manual R*STARS: PROF. 4 Revised: 05/11/2017 GARNISHMENTS, LEVIES, AND OTHER CONTRACTUAL OR LEGAL CONVEYANCE OF MONIES When a claim is made on a vendor's payment, the agency is required to respond in accordance with applicable state and federal laws and regulations. The agency should determine whether the claim is a bank assignment, support order, tax levy, or other type of garnishment. Claims should be reviewed for their accuracy and validity. It is in the agency's best interest to act quickly on the claim and to be thoroughly familiar with applicable state and federal laws and regulations. Before a request to activate a mail code for a garnishment is processed, the initiating agency must provide a copy of the legal authorization for the garnishment to the SFMS Central Vendor Desk. TYPES OF CLAIMS WRIT OF GARNISHMENT, DISTRAINT WARRANTS, AND WRIT OF EXECUTION The Federal Garnishment laws and rules define garnishment as any legal or equitable procedure through which the earnings or property of a party are required to be withheld for payment of a debt. INTERNAL REVENUE SERVICE (IRS) NOTICE OF TAX LEVY A taxpayer who owes back federal taxes may have property seized for unpaid taxes. The agency will receive notice of a tax levy from the IRS. The levy continues in effect until the taxpayer's liability is satisfied or becomes unenforceable and the IRS issues a release. Again, agencies should be familiar with applicable state and federal laws and regulations so as not to confuse a notice of tax levy with 1099 backup withholding.