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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.
Housing built before 1978 may contain lead-based paint. Lead from paint, paint chips, and dust can pose
health hazards if not managed properly. Lead exposure is especially harmful to young children and pregnant women. Before renting pre-1978 housing, lessors must disclose the presence of known lead-based paint and/or lead-based paint hazards in the dwelling. Lessees must also receive a federally approved pamphlet on lead poisoning prevention.
Simple Steps To Protect Your Family From Lead Hazards.
As with most legal questions, the answer is fact specific. The instant a bankruptcy case is filed, your creditors are prohibited by law from contacting you, attempting to collect a debt and yes, they are also prohibited from foreclosing on your home. Even if your home is scheduled to be sold at foreclosure tomorrow and you file bankruptcy today, an injunction called the automatic stay will temporarily sheild you from creditors, forcing your lender to immediately cease and desist with foreclosing.
To heighten awareness about lead poisoning prevention, the U.S. Environmental Protection Agency (EPA) has developed Lead in Your Home: A Parent's Reference Guide. The Agency believes this is an essential resource for anyonefrom owners to tenantsconcerned about the dangers of lead in their home and environment. This Guidebook provides Agency recommendations on how you can reduce your familys risk of lead exposure and prevent lead poisoning, ranging from simple steps you can do now to more rigorous procedures that will permanently get rid of lead hazards in your home.
Do you renovate, repair or paint homes or child-occupied facilities built before 1978? If so, you need to know how to work safely with lead-based paint. This guide is designed to help plan for and complete a home renovation, repair or painting
project using lead safe work practices. Lead safe work practices are a group of techniques that reduce the amount of dust produced by renovation activities. When used correctly, they make the work area safer for workers and the home
safe for residents when renovation is complete.
This pamphlet is for you if you:
Reside in a home built before 1978.
Own or Operate a child care facility, including preschools and kindergarten classrooms, built before 1978, or
Have a child under six years of age who attends a child care facility built before 1978.
You will learn:
Did you know that many homes built before 1978 have lead-based paint? Lead from paint, chips, and dust can pose serious health hazards.
Read this entire brochure to learn:
How lead gets into the body
About health effects of lead
What you can do to protect your family
Where to go for more information
Please find attached a template letter that you can use to request information from your mortgage servicer for information regarding escrow accounts if your mortgage loan is currently in forebearance.
The National Housing Law Project has created a Know Your Rights Brochure on the Violence Against Women Act and its protections related to federally assisted housing for survivors of domestic violence, sexual assault, dating violence, and stalking.
Please view the brochure here for further information: https://nhlp.org/files/VAWA-2013-Packet.pdf.
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