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Loan Application Forms #cash #advance #loan

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Loan Application Forms

We are honored to once again support local photographer Jon Secord (J Secord Photography ) in his holiday fundraiser to support Genesis Behavioral Health. Between now and December 15th, 25% of all print sales will be donated to Genesis and MVSB will match any funds raised, up to a total of $5000. To purchase a print, please visit www.jsecordphoto.com See More See Less

Genesis Behavioral Health was one of twenty-one community organizations to receive a grant from the MVSB Fund at NH Charitable Foundation this year. They used this donation to put together this awareness video about the impact of mental illness on individuals, families and the community, and to share how Genesis works with other local agencies to address the mental health needs in Belknap and Grafton Counties. See More See Less

Every business needs a ready supply of capital to succeed. Whether you need money to fund a start-up, expand an existing business, upgrade equipment or property, increase inventory, or simply to support seasonal cash flow needs, Meredith Village Savings Bank has options that work for you.

Moreover, we have a Business Team  who will work closely with you to find solutions to suit your venture. We understand business. We also understand the uncommon challenges and rewards of doing business in New Hampshire.

Please find below links to the materials you will need to complete to apply for a business loan. Because every business is different, we strongly suggest you contact a member of our Business Team  before you begin filling out the forms.

Completed forms should be delivered to any off our 11 offices  during business hours, or mailed to MVSB, PO Box 177, Meredith NH 03249.

Unless you are sending via a secured email system, we advise that you do not send documents via email as standard email is not a secure form of communication.



Printable Job Applications #job #application #forms,application,printable #application,blank #application,employment #applications,online #job #applications,blank #application

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There is basically three ways to to get the completed employment application form to the employer that you are wanting to hire you. Email the job application, fill out a job application online, and in-person job applications.

No matter which one you choose be sure to include a cover letter for the application form. Job Application Printable.com can help you do all this. Start by choosing and printing or downloading the job application that best suites your needs. Fill it out and print it or email it to the prospective employer. Giving the employment form in person is the top choice.

First impressions are important. Your appearance is important, even when submitting an application. Every time you make contact with an employer, dress as though you are ready to go to work. The employer may have a job that needs to be filled and want to interview you immediately. Remember to bring everything with you that you will need when filling out applications. It does not create a business-like impression when a job seeker needs to borrow the employer’s pens or telephone books to complete an application. Be organized. Bring the following items with you when you think you might be completing applications:

• Ball point pens (black or blue ink)

• Copies of your resume

Common mistakes that job seekers make on applications are:

1. Not following directions

2. Misspelled words

3. Crossed out writing

5. Wrinkled or messy application form

6. Incomplete information or unanswered questions

7. Not applying for a specific position

8. Incomplete work history, or large unexplained gaps in work history

9. Overlapping or conflicting employment dates with no explanation

10. Application not turned in by the deadline

11. Use of troublesome words, such as “quit” or “fired”

12. Forgetting to sign the application

When you turn in your job application form, try to personally hand it to the manager on duty. He or she may have a few preliminary questions for you, so be prepared to tell the employer why you want the job. Write down the name of the manager on duty or ask who will be making the decision to interview candidates so you can follow up.

After a week goes by, it’s worth stopping by or calling to see whether your employment application has been reviewed. It helps to be persistent, but not pushy. If the hiring manager hasn’t made a decision, he or she will at least know you are genuinely interested in the job. Or you may be told that someone else was hired – which means you can focus your attention on other job opportunities!

A brief CNA job description is provided here to help understand what CNAs do. CNAs are nursing assistants who have taken required training and have passed a competency exam. These certified nurse assistants are valuable members of the health care team. They provide patient care and perform various care-giving tasks under the supervision of a nurse or doctor.



Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court

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Uncontested Divorce Program

Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

You can use this program if:

  • You and the person you want to divorce are over 18 years of age,
  • You and the person you want to divorce have no “children” under 21 years of age ,
  • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
  • All marital property issues, including debt, have been settled.

Information Checklist

You will need the following information with you when you use this program:

  • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
  • A copy of your marriage certificate.
  • If you have any of the following: Settlement Agreement, Order of Protection, etc.
  • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

Download and print the checklist of information you will need to complete this program.

Start

Note: You will be taken to our partner website called LawHelp Interactive.

You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

About DIY Forms

Who Can Use These Programs?
You can use DIY Forms if:

  • you’re a court user and you don’t have a lawyer;
  • you’re a legal services provider;
  • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
  • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

Computer Requirements
In order to use DIY Form programs, make sure you have the following:

Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

Help Using DIY Forms
See Frequently Asked Questions for help using DIY Form programs.

Related Information:



Frequently Asked Questions about Probate #washington #state, #free #probate #forms, #probate #instructions, #probate #court, #legal #forms, #probate #glossary

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Frequently Asked Questions about Probate

The Will of someone (the Decedent ) who has died leaving a valid Will (ie, died testate ). Specifically, what is being proved is that:

Was signed by its maker (its Testator (male) or Testatrix (female)), and

  • Is the most current Will of the Testator/trix (ie. it has not been revoked).
  • The Testator/trix was legally competent to make a Will:

    Of sound mind (ie. having testamentary capacity and lacking insane delusions )

  • Who has attained the age of 18 years.
  • The Will was made under lawful circumstances:

    Witnessed by at least two competent witnesses who subscribed their names to the Will while in the presence of the Testator/trix at his/her request, and

  • Not made by mistake, restraint (duress), fraud, undue influence, or forgery.

    • Sidebar: What does testate mean?

    Testate means to make a Will, from the Latin verb testan.

    The Superior Court usually in the county in which the Decedent resided at death.

    What is being proved to the Court is that the Personal Representative (in other states, called the Executor (male) or Executrix (female)) that Decedent nominated in the Will can be appointed by the Court and authorized to carry out Decedent’s desires, as expressed in the provisions of his/her Will:

    By collecting and managing Decedent’s property;

  • By paying Decedent’s debts, last illness and funeral expenses, and any taxes due; and ultimately

  • By distributing Decedent’s property to Decedent’s named recipients (the Beneficiaries ), who take under the Will or take by testate succession.

    • In summary: To ensure that Decedent’s bills are paid and Decedent’s property is accounted for, transferred to, and retitled in the names of Decedent’s Beneficiaries.

    Without a Will to prove or a named Personal Representative to appoint, the Court turns not to the terms of a Will but, instead, to State law and:

    Appoints a Personal Representative (in other states, called an Administrator (male) or Administratrix (female)) according to a prioritized list provided by law; who ultimately

  • Distributes Decedent’s property in shares to a prioritized list of recipients, the Heirs or Heirs-at-Law , provided by law, who take by inheritance or take by intestate succession.

    • The only assets that are subject to probate (Decedent’s probate assets ) are those held in Decedent’s name without designated beneficiaries (other than his/her estate) on death.

    Examples of Probate Assets:

    Decedent’s property inherited upon the deaths of his/her parents, as his/her separate property.

  • Decedent’s home, as to his/her one-half interest in community property.
  • Decedent’s interest in a vacation home, a boat, or an airplane, as a tenant-in-common (ie, not joint tenancy) with other joint owners.
  • A life insurance policy owned by Decedent on his/her life and whose named beneficiary is his/her estate.

  • Decedent’s IRA or a Keogh Plan for his/her benefit and whose named beneficiary upon his/her death is his/her estate.

    • Examples of Nonprobate Assets:

    Decedent’s car, as a joint tenant (ie, with right of survivorship).

  • Decedent’s bank account, payable on death ( POD ) to one of Decedent’s children.
  • Decedent’s securities account, transferable on death ( TOD ) to Decedent’s Trustee.
  • Property subject to a valid Community Property Agreement, transferable to Decedent’s surviving spouse.
  • A life insurance policy owned by Decedent on his/her life and whose named beneficiary is other than his/her estate (eg, his/her spouse or children).
  • Decedent’s IRA or Keogh Plan for his/her benefit and whose named beneficiary upon his/her death is other than his/her estate (eg, his/her spouse or children).

  • Property held in trust for the benefit of Decedent and whose named beneficiary upon his/her death is other than his/her estate (eg, Decedent’s Revocable Living Trust held for (i) his/her benefit during his/her life and (ii) his/her spouse or children following his/her death).

    • Nonprobate assets pass upon death to the named survivor or beneficiary outside of probate. The methods for making nonprobate assets (eg. joint tenancies, POD or TOD accounts, community property agreements, living trusts, etc.) are sometimes called Will substitutes.

    What is the Washington statutory Creditor’s Claim law? What benefits does it provide? �

    The probate process provides:

    A neutral, third-party (a Judge) who can:

    Supervise the process,

  • Ensure that it is proceeding according to law, and
  • Resolve any disputes (eg. among Heirs and Beneficiaries, between them and the Personal Representative, or regarding title to property or legitimacy of debt).

  • If the Creditor’s Claim procedure is employed: A method that extinguishes claims against the Decedent and his/her estate that is quick and fair to debtors, creditors, and Decedent’s Heirs and Beneficiaries.

    • Many estates don’t need third-party oversight.

  • Many estates don’t have disputes.
  • Many estates don’t have debtor/creditor problems.
  • Many estates could close sooner than 4 to 6 months after date of death.
  • Probate is necessarily a public process, and many Heirs and Beneficiaries would prefer that the process be private.

  • The home state ( domiciliary ) probate covers all of the Decedent’s personal property but only so much of Decedent’s real property as is located within that state. Consequently, an out-of-state ( ancillary ) probate is required in every state in which Decedent holds real property — an expensive, time-consuming, and inefficient process.

    • All of the foregoing disadvantages of probate (and more) may be remedied through the use of a revocable living trust as the vehicle for one’s estate plans.



    Soap Note Example #soap #note #example, #soap #notes, #counseling #forms, #soap #note #forms

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    SOAP Note Example

    SOAP Note Example for Mental Health Care Professionals

    UPDATED WITH 2013 CPT CODES

    SOAP notes. are a specific format used for writing a progress note. This packet of 8 professionally created SOAP notes and Progress Notes can be downloaded and customized with your letterhead immediately. These notes were created for mental health care professionals: counselors, social workers, psychologists etc. They were created in Microsoft Word and are Windows and Macintosh compatible.These notes are streamlined to make the job of documenting your therapy sessions quick and easy and therapeutically sound.

    Click the Buy Now button below to purchase this packet of SOAP Notes for only $15.97

    Don t have Microsoft Word Not technically Savvy ?
    No problem, if you are looking for basic forms and do not need to add your letterhead or can use a STAMP to add your name and credentials then this kit will also work perfectly for you. Just print and use as is.

    Here a SOAP note example refers to documenting the following data after your session:

    • Subjective referring to what your client tells you
    • Objective What you the clinician observed especially regarding the subjective
    • Assessment Your clinical assessment, bridging the objective and subjective
    • Plan Your clinical plan, recommendations, interventions etc.

    The SOAP notes and progress notes included in this professional package are formatted for both printing out and writing notes by hand or typing on your computer (aka automated notes). The package includes separate note templates for:

    • Conjoint sessions
    • SOAP note format
    • Progress note alternative format

    Each clinical note has a separate section to document or check off:

    • Client name, date and time of appointment
    • CPT code for the service rendered
    • Mental status etc.
    • Danger to self
    • Interventions
    • Response to intervention
    • Client concerns
    • Fees collected
    • Next appointment
    • and more

    This package of 8 Professional SOAP notes and Progress notes can be downloaded now for $15.97 and come with a risk free, 30 day guarantee. Click Here to see a sample of the form.

    Click the Buy Now button below to purchase this packet of SOAP Notes:

    Here is a SOAP note example :

    • S. CL stated, I ve been feeling more anxious this week.
    • O. Counselor observed the client was wringing hands, having difficulty concentrating, and spoke rapidly. CL described fear of losing her job and housing. CL also reports drinking 3-5 cups of caffeinated coffee daily this week.
    • A. Based on CL report and this counselors observations CL s anxiety has increased in level of severity but continues to meet criteria for GAD.
    • P. Made referral to primary care physician for physical exam to rule out thyroid or other medical condition. Continue to address therapy goals of reducing anxiety through CBT. Add goal for nutritional therapy. Client reported she will practice relaxation exercises daily, cut back on coffee and replace with water.

    Download the 8 template SOAP Note and Progress Note Kit now and receive the following templates:

    • SOAP note for printing out and handwriting note
    • Automated SOAP note for typing on computer
    • Conjoint SOAP note for printing out and handwriting note
    • Automated Conjoint SOAP note for typing on computer
    • Progress note for printing out and handwriting note
    • Automated Progress note for typing on computer
    • Conjoint Progress note for printing out and handwriting note
    • Automated Conjoint Progress note for typing on computer

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    Court Information by County – NY City Criminal Court #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court

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    Court Information by County

    Administrative Judge
    Hon. Melissa C. Jackson

    Deputy Administrative Judge
    Hon. Alexander B. Jeong

    Chief Clerk
    Justin Barry

    First Deputy Chief Clerk
    Antonio Diaz

    General Information – addresses, telephone numbers, directions, hours of operation. For more information call the NYC Criminal Court Information Line at (646) 386-4500

    BRONX COUNTY (CRIMINAL DIVISION)

    Supervising Judge
    Hon. George A. Grasso

    Borough Chief Clerk
    William Kalish

    Location
     The Bronx Criminal Court is located at 215 East 161st Street, between Sherman Sheridan Avenues and 265 East 161st Street, between Morris Sherman Avenues.

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.
    General Information: (718) 618-2400

    Desk Appearance Tickets (DATs),
     Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 618-2460
    Fax: (718) 537-5164

    Summons Clerk’s Office
    (718) 618-2480

    All other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Information: (718) 618-2460
    Fax: (718) 537-5164

    KINGS COUNTY (Brooklyn)

    Supervising Judge
     Hon. Michael Yavinsky

    Borough Chief Clerk
     Kenneth Fay

    Location
     Kings (Brooklyn) Criminal Court is located at 120 Schermerhorn Street, Brooklyn near Livingston Street Smith Street.

    Public Transportation Directions
    Take the N, R or M train to the Lawrence Street Station; the G train to the Hoyt Street Schermerhorn Street Station; the A, F or C train to the Jay Street Station; the 2, 3, 4 or 5 train to the Borough Hall Station.
    Take the B67, B41 or B45 bus line to Livingston Street Smith Street; the B63 or B65 bus line to Atlantic Avenue Smith Street.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
     Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (347) 404-9400
    Fax: (718) 643-5234

    MIDTOWN COMMUNITY COURT

    Judge
     Hon. Guy Mitchell

    Deputy Chief Clerk
     Andrew Hassell

    Location
     The Midtown Community Court is located at 314 West 54th Street.

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
     Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: 646-264-1300
    Fax: 212-952-3064

    NEW YORK COUNTY (Manhattan)

    Supervising Judge
    Hon. Tamiko A. Amaker

    Borough Chief Clerk
    Eric Black

    Location
     The New York (Manhattan) Criminal Court has 2 locations approximately three blocks south of Canal Street. The Criminal Court building at 100 Centre Street is one block from Worth Street near Leonard Street Franklin Street.

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Wednesday: 8:00 a.m. to 1:00 a.m.
    Thursday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
     Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (646) 386-4511
    Fax: (212) 374-5293

    QUEENS COUNTY

    Supervising Judge
     Hon. Michelle A. Armstrong

    Borough Chief Clerk
     Carey Wone

    Location: The Queens Criminal Court is located at 125-01 Queens Blvd. near Hoover Avenue 82nd Avenue. The Summons Part is located across the street in the Borough Hall Building.

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station. The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the Courthouse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (718) 298-0792

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices

    DAT s – Mondays and Tuesdays 9am-1pm, Fridays 9am-5pm. except holidays.

    Clerk s Office- Mon-Fri 9am-4:30pm. except holidays.

    General Info: (718) 298-0792
    Fax: (718) 520-4712

    RED HOOK COMMUNITY JUSTICE CENTER

    Judge
     Hon. Alex Calabrese

    Assistant Deputy Chief Clerk
    Toni Bullock-Stallings

    Location
    The Red Hook Community Justice Center is located at 88-94 Visitation Place, Brooklyn.

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 923-8200
    Fax: (718) 923-8269

    RICHMOND COUNTY (Staten Island)

    Supervising Judge
     Hon. Alan Meyer

    Borough Chief Clerk
     Ada Molina

    Location
     The Richmond (Staten Island) Criminal Court Building is located at 26 Central Avenue.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Friday: 9:00 a.m. to 5:00 p.m.
    Saturday and Sunday: 9:30 a.m. to 1:00 p.m.

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
     Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 675-8558
    Fax: (718) 390-8405

    Summons Courts

    Bronx County (Criminal Division)
    215 East 161st Street, Bronx, NY 10451

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Summons Clerk’s Office
    (718) 618-2480

    Kings County (Brooklyn)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Midtown Community Court
    314 West 54th Street, New York, NY 10019

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
    General Info: 646-264-1300

    New York County (Manhattan)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Queens County
    (Queen Borough Hall Building)
    120-55 Queens Blvd, Kew Gardens, NY 11415

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station.
    The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the building.

    Summons Clerk’s Office
    (718) 298-0792

    Red Hook Community Justice Center
    88-94 Visitation Place, Brooklyn, NY 11231

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    (718) 923-8200

    Richmond County (Staten Island)
    26 central avenue Staten Island, New York, 10301

    Clerk’s Offices
    (718) 675-8558

    Public Transportation Directions

    For more detailed public transportation information directions call the M.T.A. Transit Information Line at (718) 330-1234.



    Free Promissory Note and Loan Agreement Forms #loan #comparison #sites

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    Free Promissory Note Forms

    A promissory note is an acknowledgment of debt with a written and unconditional promise to repay a loan or debt in a specified manner. It may also be called a loan agreement or personal loan agreement.

    An IOU on the other hand, only acknowledges that money is owed, but makes no promises on how or when the loan will be repaid.

    Our selection of free promissory notes and loan agreements can be downloaded instantly and used as templates or sample documents to compile your own Notes.

    However! It is always advisable to consult with an attorney to ensure your documents meet all the legal requirements in your jurisdiction.

    Important Note: Refer to our guidelines as to the interest charges and late fees to ensure you stay within the legal allowable percentage as per usury law. You should also consider the advantages of a secured loan (vs an unsecured loan) and having co-signors or a guarantor for your loan.

    Free Promissory Note Templates and Related Free Legal Forms:

    • Personal Loan Agreement – Guidelines on the various repayment options
    • Demand Note – Sample document that calls for a single repayment of the amount due
    • Installment Note – Makes provision for equal multiple payments over a period of time
    • Installment Form – Multiple payments and then a final balloon payment
    • Employee Loan Agreement – Specifically tailored to allow an employee to offset payments against a salary
    • Secured Note – Guidelines to assist you with your security agreement
    • Security Agreement – Where Borrower retains possession of the collateral
    • Security Agreement – Where Lender takes possession of the collateral
    • Note Guaranty – Where a third party undertakes to make payment in case of default
    • Printable Receipt – For loan payments received
    • Notice of Default – Required before taking legal action
    • Promissory Note Release – Issued upon full and final settlement of the loan
    • Lien Release – Upon full payment and if a lien was recorded
    • Affidavit of Loss – To certify to a lost Note

    Interest Charges and Late Fees

    It is acceptable practice to charge interest or late fees on loans. The maximum allowable percentage is determined by usury law in your state or country. Contravening usury laws by charging unacceptably high interest may be a criminal offense. If a court rules your rates as unlawful, all the interest payments on the loan may be offset against the principal loan amount.

    The interest rates charged by banks, credit card companies, pawn brokers etc. may be higher than that allowed between individuals and cannot be used as benchmark.

    You can extend an interest free loan to a family member or friend. However, the Receiver of Revenue may “assume” that you collected interest and tax you accordingly. To avoid being taxed on unearned interest, you can treat the unearned interest portion as a tax-free gift, but you need to:

    • Document your loan as interest free
    • Ensure that the total interest (as would normally be applicable) does not exceed the amount permissible for tax-free gifts in a calendar year.

    Secured Loans vs Unsecured Loans

    If the borrower were to petition for bankruptcy or is declared bankrupt, any available money (from liquidated assets etc.) will first go towards secured loans. So, if your loan agreement is unsecured and there are no co-signors or guarantors to assume responsibility, you may not be able to collect any money.

    For smaller or personal loans, the borrower may offer tangible goods such as jewelry, electronic equipment, a vehicle etc. as collateral to secure a loan. A UCC (Uniform Commercial Code) filing serves as public record that the goods described are attached as security or collateral against a Note.

    In the case of large business loans or real estate loans, you must consult with an attorney. It is vital that a UCC is filed against business loans. Your lawyer will ensure that corporate shareholders or limited liability members personally guarantee any loans. Real estate loans must be protected with a mortgage or lien which must be filed with the county recorder’s office or deeds office.

    Co-signors and Guarantors

    As added security for a loan, you may require/demand that more than one person sign the PN, e.g. husband and wife, student and parents. As co-signors they will then be held jointly and severally responsible.

    Alternatively, or in addition, you may have a separate guaranty agreement with a person who will assume full responsibility for repayment of the loan, should the original borrower(s) default.

    Before you sign as guarantor to a loan, you need to verify whether you are guaranteeing a once-off fixed amount (with specified interest) or the ongoing indebtedness of a business operation. In the second instance, the onus is on you to monitor the balance sheet and to notify creditors timeously to withhold further extension of credit. Have your guaranty agreement reviewed by an attorney to ensure that you understand and agree to the conditions therein.

    As guarantor you cannot cancel a guaranty agreement and will remain liable until the loan has been repaid in full and the note released.

    Transferring a Promissory Note

    A PN is a negotiable instrument (if properly executed) where the lender can sell, assign, donate, transfer etc. the note to a third party, who becomes the holder in due course. This may be done without obtaining permission from or giving notice to the borrower. The borrower then becomes obligated to the third party for repayment of the loan.

    The reverse is not true. The borrower may not transfer the obligations of the Note to another party without prior written consent from the lender.

    Lost Notes

    If a Note is lost, stolen, destroyed or damaged, it does not release the borrower from repayment of the loan. However, to avoid possible disputes, the lender should store a notarized copy in a safe place. Our sample Promissory Notes also make provision for a replacement Note to be executed in case of loss or damage.

    Witnesses

    As irrefutable proof of your Note, you should have it witnessed by a notary public. If you choose not to have it notarized, you must have it signed by independent witnesses. The lender must not sign as witness.

    Payments Received

    The borrower must insist on written receipts of payments made, especially in the case of cash payments. Canceled checks, internet payment remittances or bank deposit slips must be stored safely for record keeping. Upon full and final settlement of the loan, a Release must be issued.

    Please refer to our Free Legal Forms page for a complete list of all the free contracts available on our site.

    Descriptive Titles

    The person or entity supplying the goods, money or a service can be called the noteholder or bearer. lender. creditor. payee. promisee. obligee. seller. service provider .

    The person or entity who must repay the loan can be called the maker of the Note. borrower. debtor. payer. promisor. obligor. buyer. endorser. customer .

    Co-signors of the Note are equally responsible for repayment of the loan.

    Guarantors will enter into a separate guaranty agreement with the lender.

    The Fine Print

    Before you enter into a personal loan agreement or sign a promissory note, be sure that you understand the descriptions, terms and conditions. You must reserve the right to repay the loan sooner than stipulated (prepay) without incurring penalties or being liable for all the interest as calculated over the initial term of the loan.



    Divorce lawyer long beach ca #self #help, #ca #divorce #forms, #divorce, #divorce #forms, #divorce #lawyer, #no #fault #divorce, #divorce #mediators, #divorce #resources, #grounds #for #divorce, #legal #separation, #summary #dissolution, #california

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    Basics

    There are 3 main ways to end a marriage or registered domestic partnership in California: divorce, legal separation, and annulment. It is not necessary for both spouses or domestic partners to agree to end the marriage. Either spouse or partner can decide to end the marriage, and the other spouse/partner, even if he or she does not want to get a divorce, cannot stop the process by refusing to participate in the case. If a spouse or domestic partner does not participate in the divorce case, the other spouse/partner will still be able to get a “default” judgment and the divorce will go through.

    California is a “no fault” divorce state, which means that the spouse or domestic partner that is asking for the divorce does not have to prove that the other spouse or domestic partner did something wrong. To get a no fault divorce, 1 spouse or domestic partner has to state that the couple cannot get along. Legally, this is called “irreconcilable differences.”

    After you decide how you want to end your marriage or domestic partnership, you need to plan your case ahead of time. Think about how you are going to handle your case. Planning before you start and talking to a lawyer can save you time and money as you go through the court process. And keep in mind that, normally, it does not matter who is the first to file the divorce or separation case. The court does not give any preference to the first person to file or a disadvantage to the person who responds to the case.

    If you want to end a registered domestic partnership, domestic partners must also file for dissolution (divorce), legal separation, or annulment to end their relationship. There is a limited exception where domestic partners can end their relationship in a summary process through the Secretary of State if they have been registered for less than five years and they have no children, no real property, very few assets or debts, and a written agreement on dividing their property, in addition to other restrictions. Click to learn more about this shorter process to see if you are eligible to end your domestic partnership that way.

    Federal law does not recognize domestic partnerships for most purposes, such as Medicare, immigration law, veterans’ benefits, and federal tax laws. Domestic partners may be recognized for some federal purposes, such as Social Security. In addition, domestic partners may not have the same rights if they leave California because other states may not recognize domestic partnerships. Talk to a lawyer if you are ending a domestic partnership and any of these issues may apply to you. You may also want to talk to an accountant who is knowledgeable about these issues. Click for help finding a lawyer .

    The family law facilitator or self-help center in your court may be able to help you with the divorce or legal separation process and help you understand what your options are, decide what you want to do, and get started with your paperwork. You can also talk to a lawyer to get legal advice.

    IMPORTANT! If you are worried about how a divorce or legal separation will affect your immigration status, talk to an immigration lawyer or a family law lawyer with a lot of experience with immigration issues. Immigration law can be very complicated, especially as it relates to divorce. Click for help finding a lawyer .

    If there is domestic violence in your relationship, make sure you are safe and protected while you go through this court process. Read the domestic violence section of this website for more information. Or call 1-800-799-7233 (TDD: 1-800-787-3224) to find a domestic violence agency in your county.



    Loan Contract Forms, Custom Loan Agreements, and Loan Payment Tracking #housing #loan #interest #rates

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    What is a security agreement?

    A security agreement is a document that can be used to supplement a promissory note. Security agreements allow lenders to take property if a default occurs. You can execute a secured promissory note without a separate security agreement. LendingKarma secured loan documents contain language in the promissory note for collateral thus it’s not necessary to draw up a separate security agreement for use with our promissory note. However for added security you may also want to file a UCC form with your state. (See “What is a UCC form?” for more information).

    What is a UCC form (Uniform Commercial Code)?

    A UCC form, otherwise known as a financing statement, is a form that is filed with the appropriate recording agency that publicly declares the lender’s interest in the collateral specified in the promissory note and security agreement. Once a UCC form is completed and filed with the correct governmental authority, the lender’s interest in the property is considered “perfected.” This means that if future lenders also seek a security interest in the same asset, the lender with the perfected interest would have top priority and could take the property for themselves after a default.

    Do you need to file a UCC form with the state if you make a personal loan with collateral?

    It depends. In most cases, it’s enough to simply document the collateral (which you can do using LoanCreator ™) since the lender and borrower know and trust each other. In other cases, it may make sense to file a UCC form to give the lender more security in the case of default.

    If you are thinking of filing a UCC form for your personal loan, here are some things you should know:

    download a form or even file electronically, select your state:

    What if I’m creating a real estate or mortgage loan?

    Creating a loan that involves real estate (otherwise known as a mortgage) requires a bit more documentation than most other loan types. Below is an overview of some of the terms and at least some of what you’ll need to do to create a mortgage.

    Mortgage Documents

    A mortgage involves two important legal documents: a promissory note and either a mortgage document or deed of trust.

    Promissory Note: The promissory note (also called a mortgage note or real estate note) is a note the buyer gives to the lender promising to repay the amount of the loan plus interest. The note also states the amount of time the buyer has to repay the loan and what action the lender may take if the buyer fails to make the required payments. The note should state the interest rate and specify whether it is fixed or variable. The note also may contain provisions such as a balloon payment.

    It is important to note that the borrower’s typical monthly payment to the lender is not solely for principal and interest owed on the note. Monthly payments might also include escrow payments for property taxes and insurance.

    Mortgage Document or Deed of Trust: The borrower gives the lender either a mortgage document or a deed of trust, depending on the state where the transaction takes place. Both a mortgage document and a deed of trust serve the same purposes of pledging the borrower’s title to the property as security for the loan and giving the lender a claim against the property in the event of default. A mortgage document and a deed of trust have a few key differences:

    Mortgage Document: A mortgage document is used in most states, including Florida, Illinois and New York. A mortgage involves only two parties: the borrower and the lender. It creates a lien on the property, which is recorded in the public land records. With a mortgage, the borrower has full title to the property but may not transfer ownership until the debt is paid off and the lien is released. If the debt is not paid, the lender has the right to sell the property, usually through judicial foreclosure.

    Deed of Trust: Many states, including California and Texas, use a deed of trust instead of a mortgage. The deed of trust is recorded in the public records to give notice that the property has a lien on it. A deed of trust involves three parties: the borrower, the lender and a third-party trustee, such as an attorney or title insurance company, who holds temporary title until the debt is paid and the deed of trust is cancelled. If the debt is not paid, the trustee may sell the property. The lender must give the trustee proof that the debt is delinquent and ask the trustee to foreclose. Foreclosure typically bypasses the court system.

    What is an unsecured loan agreement?

    A loan that is made to a borrower where no collateral is used for the loan is called an unsecured loan. This type of loan is riskier for the lender because if the borrower is unable to pay there isn’t as much of a guarantee (compared to a secured loan agreement) that they will be able to recoup the money lent to the borrower. The lender would have to go to court to demand payment if a default occurred.

    What about interest only, adjustable rate, balloon, and other types of loans? Aren’t they more types of loans?

    How do I set the interest rate for a mortgage loan?

    For lenders:

    • Any interest you earn on a private loan is considered income by the IRS and as a result considered taxable. You may make a gift of that income, up to $14,000 each year, which is the Annual Gift Tax exclusion ($28,000 if made by a couple; $56,000 if made by a couple to a couple).
    • In the event of a default or an audit, you must prove that your transaction was legitimate and not a gift. In order to write-off a defaulted loan or mortgage as bad debt, you must show that you had documentation, that your loan was not a gift, and that you tried to collect on it. This means that you must keep accurate and detailed records of the specifics of the loan, including all payments, interest rates, and other relevant documentation. LendingKarma can help with creating your promissory note and recording your mortgage payments so that you have detailed interest and payment information.

    For borrowers:

    Need to speak to a professional about your loan?



    Loan Application Forms – Kenya Loans #auto #loans #online

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    Loan Application Forms

    Kenya Loans was set up to make loan products more accessible to Kenyans. We provide a fast, secure and confidential way of finding loans without being charged high interest rates. It is our mission to provide information on loans in Kenya at lower interest rates that are affordable to every borrower. And we now have online loan application forms !

    How it works

    We have recently established more partnerships with lending institutions in Kenya and can now confidently invite you to fill in our online loan application forms.

    Once we receive your application we will forward it to the best matched lending institution.

    Applying for loans online has the following benefits:

    • It is safe, secure and confidential
    • We process loan applications quickly and forward you to suitable lenders as fast as possible
    • You avoid the hassle of making an appointment with anyone and travelling to meet them until you are sure that you actually qualify for the loan
    • Appyling takes a few minutes at most

    Loan Application Forms

    Our priority is to get you money when you need it the most. We offer a service that is extremely easy to use. By partnering with lenders, we are able to direct you to the best possible products that fit your situation perfectly. We believe that when times are tough and you need financial help, the last thing you should do is worry about where to find your loan.