Index

• Jurisdiction: United States

Index

A

Abacus Cooperative Database, 108

Acceleration, 57

Accident claim worksheet, 130

Adjustable rate loans, 53

Adjustable rate mortgages (ARMs), 73, 74

Administrators. See Executors

Alternate beneficiaries, 29

Application, for rental, 43, 44

Arbitration, 8-9

ARMs (adjustable rate mortgages), 73, 74

Assets

family financial statement, 68-70

property worksheet for inventorying, 28

statement of assets and liabilities, 94

Assignment of lease, consent to, 48-49

Assignment of rights, 94-95

Assumable loans, 73

Attachments, 6

Attorney-in-fact, 17

Attorneys, 10

Attorneys' fees, 57

Au pairs, 114

Authorization forms, 12-25

children's carpool agreement, 15

house-sitting instructions, 14-15

international travel with minor authorization, 13-14

loans, authorization to check credit and employment references for, 52-54

medical treatment authorization, 12, 13, 14, 116

motor vehicle, authorization to drive, 16-17

pet care agreement, 15-16

temporary guardianship authorization, 12-13

See also Power of attorney AutoCheck, 77

B

Babysitters, child care agreement with, 114-115

Bad check, demand to make good on, 63

Balloon payments, 53

Banks/financial institutions closing accounts fraudulently accessed, 143

joint account, notice to terminate, 95-96

payable-on-death beneficiary accounts, 29

power of attorney and, 18, 21

privacy notices, opting out, 109

stop payment of check, notice to, 96-97

Beneficiaries designation of, 28, 29

worksheet, 29

Better Business Bureau, 137

Bills of sale, 76-79

for boats, 78

defined, 76

for dogs, 78-79

general bill of sale, 78

for motor vehicles, 76-77

notarization, 76

used cars, boats or other property, importance of using bill of sale for, 76

Boat bill of sale, 78

Borrowing money. See Loans; Mortgages

Breaking a lease, 47-48

Budgets

daily expenses form, 92-93

large payments, handling, 94

monthly budget form, 93-94

monthly income form, 93

process for creating, 92

Buyer in due course, 57

C

Cancel contract, notice to, 138-139

Cancellation notice for membership or subscription, 139-140

CAN-SPAM Act (Controlling the Assault of Non-Solicited Pornography and Marketing Act), 104

Caregivers, 112-117

child care agreement, 114-115

child care instructions, 116

elder care agreement, 116-117

employer's legal and tax obligations, 112-113

pet care agreement, 15-16

shared in-home care, 116

Carfax Vehicle Reports, 77

Carpool agreement, 15

Carrying costs, worksheet for, 70-71

Catalog mailings, opting out, 108

Certificate of acknowledgment of notary public, 7

Checklists

executor's checklist, 37

landlord-tenant, 44-45

moving checklist, 74

Checks, notice to stop payment of, 96-97

Children

child care agreement, 114-115

children's carpool agreement, 15

guardianship, 12-13, 32-33

international travel with minor authorization, 13-14

medical treatment authorization, 12, 13, 14, 116

personal guardians for minors, 32-33

property guardians for minors, 33

special education process, request to begin, 140-141

temporary guardianship authorization, 12-13

will provisions, 32-34

Codicils, 34

Collateral, 53. See also Security agreements

Collection agency, demanding cessation of contact by, 100-101

Community property states, debt liability in, 55, 56

Complaints

about defective products, 129

complaint letter, 136-137

to government agencies, 136-137

telemarketing consumer complaints, filing, 105, 106

Consent to assignment of lease, 48-49

Consideration, for contracts, 132

Consumer protection offices, 137

Contractors

home maintenance agreement, 87-88

home repairs agreement, 88

mid-job worksheet, 88-89

state licensing and registration requirements for home repair work, 86-87

status as independent contractor, 87

Contracts, 2, 120

adding or deleting clauses or phrases, 5

assignment of rights, permissibility of, 95

cancel contract, notice to, 138-139

consideration requirement, 132

enforceability, 2, 3

filling in, 3-4

mutual release for contract claims, 134

written contracts, importance of, 3

See also specific contracts

Controlling the Assault of Non-Solicited Pornography and Marketing Act (CAN-SPAM Act), 104

Cooling off rule, 138-139

Cosignor, 53, 55, 59

Credit cards

disputing charges, 99-100

joint account, notice to terminate, 95-96

Credit checks

loans, for, 52-54

rentals, for, 43

Credit insurance, 53

Creditors

agreement to keep property separate as protection from, 123

joint account, notice to terminate, 95-96

notice to creditor of death, 37

Credit reports

credit check authorization, 52-54

Fair Credit Reporting Act (FCRA), 97, 98

fraud alerts, placing, 98, 142

reinvestigation of credit report entry, request for, 98-99

request for, 97-98

review of, 142-143

rights with regards to, 97-98

Custodianship, 32-33

D

Daily expenses form, 92-93

Damages

bad checks, 63

landlord's duty to mitigate damages, 48

landlord's failure to return security deposit, 50

telemarketing violations, 106, 107-108

Damage to real estate, release for, 133

Death, notice of creditor, notice to, 37

general notice, 38

homeowner's insurance company, notice to, 39

motor vehicle insurance company, notice to, 40

Death certificate, request for, 36-37

Debts

collection agency, demanding cessation of contact by, 100-101

family financial statement, 68-70

identity theft and, 144

spouse's liability for, 55, 56, 132

statement of assets and liabilities, 94

Debt-to-income ratios, 72, 73

Defective products, 128-130

Demand forms bad check, demand to make good on, 63

collection agency, demanding cessation of contact by, 100-101

demand letter, 126-127

excessive calls, demand for damages for, 107-108

online auction buyer demand letter, 127-128

overdue payment demand, 62-63

security deposit, demand for return of, 49-50

Digital assets, 28

Direct Marketing Association's Mail Preference Service, 108

Discrimination laws, 43

Dispute resolution, 8-10, 126-134

accident claim worksheet, 130

arbitration, 8-9

demand letter, 126-127

home repairs and maintenance, 87

informal...