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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 booklet provides information about Child Support Services and explains how to apply for services.
By helping parents meet their obligations, Child Support Services enhances the well-being of children, promotes positive parental involvement, and improves the self-sufficiency of families. Child Support Services can help make sure children receive financial and medical support from both parents in a variety of ways.
The federal Railroad Retirement Board handles this benefit program for eligible workers and their families.
General Eligibility
Like Social Security, Railroad Retirement benefits are based on months of service and earnings credits. Employees of railroads engaged in interstate commerce, some related industries, railway associations, and national railway labor organizations qualify for Railroad Retirement after 10 years of credited work.
Student loans are difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt “will impose an undue hardship on you and your dependents.”
The government’s collection powers and your options to deal with student loan problems depend on whether you are just delinquent with your payments or whether you are in default. You are in default on most student loans if you fail to make payments for nine months. The entire loan balance becomes due once you default...
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Interactive Forms
The attached PDFs describe the Idaho child custody court process generally and in more detail for custody and divorces with minor children cases. These PDFs show the stages of a court case you will go through before the judge enters an order regarding a divorce with custody, visitation, and/or child support or a custody, visitation, and/or child support judgment.
This chart by the National Consumer Law Center (NCLC) provides a summary of relief options available for borrowers facing a COVID-19 related hardship. The options that a borrower has depends on the loan investor. For loans it covers, Section 4022 of the Coronavirus Aid, Relief, and. Economic Security (CARES) Act requires forbearance for borrowers with COVID-19 hardships and some investors have expanded on those provisions.
The National Consumer Law Center, Inc. has created a free chapter on Homeowner Rights During the Covid-19 Pandemic. This Chapter covers issues such as Fannie Mae, Freddie Mac, Federal Housing Agency (FHA), VA, and USDA mortgage loans, state-based pandemic-related relief, portfolio and private label securities, and foreclosures.
This Chapter is accessible for free here: https://library.nclc.org/free-access-new-chapter-homeowner-rights-during-covid-pandemic.
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