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A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
This brochure was prepared by Idaho Legal Aid Services, Inc. for the purpose of informing tenants of their rights and responsibilities in federal housing programs under current Idaho and federal law. It does not include other legal theories which have been adopted by other states but as yet not accepted by Idaho’s courts. At several points in the brochure, the tenant is advised to seek legal assistance of an attorney.
The purpose of this memorandum is to reiterate procedures for complaints processed by Fair Housing Assistance Program agencies that involve Low Income Housing Tax Credit properties.
Once a creditor sues and obtains a judgment (court order) against a debtor they must follow a legal process to obtain payment. The creditor collects on a judgment through a "Writ of Execution" which directs a sheriff to seize the debtor's money, property, or real estate to pay the debt (in limited situations, money or property may be taken before a court enters a judgment). A creditor must collect on the debt within five years after a court issues a judgment, although a creditor can renew a judgment for additional five year periods.
Un acreedor puede requerirle a un empleador a desviar parte del sueldo de un empleado para pagar un fallo/ sentencia. El acreedor está limitado a tomar el sueldo de un deudor que: a) exceda treinta (30) veces el sueldo mínimo federal ($7.25 por hora vigente 24 de julio 2009), o b) es 25% del ingreso disponible. Cualquier exención cual permite al deudor mantener más de su sueldo aplica. Ingreso disponible es el pago neto del deudor después de las deducciones requeridas por ley, tal como impuestos, cuales son rebajados...
Este folleto fue preparado por Idaho Legal Aid Services, Inc. con el propósito de informar a los
inquilinos de sus derechos y responsabilidades en los programas de vivienda federal bajo la ley de
Idaho y federal actual. No incluye otras teorías legales cuales han sido adoptadas por otros estados
pero aun no han sido aceptadas en los tribunales de Idaho. En varios puntos de este folleto, se le
aconseja al inquilino que obtenga ayuda legal de un abogado. Es especialmente importante para los
What is a garnishment? A garnishment is basically a legal collections tool where a creditor obtains a court order compelling an employer to withhold a portion of an employee’s wages. The amount that can be withheld is capped at 25%, however, the percentage may vary depending on the state issuing the garnishment and the type of debt. The cap applies to all creditors, meaning 25% is the most that can be withheld at any one time. Garnishments, however, are not limited to wages and can involve one time garnishment of bank accounts or personal property.
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
Many collection lawsuits are brought by companies called Debt Buyers. Debt Buyers pay money to other companies for the right to collect money owed to those companies. For example, you might owe $3,000 on a store credit card. After a while, the store may decide to sell the debt to a Debt Buyer for a few hundred dollars, instead of trying to collect it. Then the Debt Buyer will try to collect from you...
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