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Are there different considerations for divorcing later in life?
While the divorce law is the same, there are challenges unique to senior citizens that don’t apply to the general population. The biggest difference is that there is less time to recover financially. Issues to consider when older adults get divorced include:
What custody options are available to me?
What is consumer protection?
Consumers of all ages are vulnerable to the hard sell of professional salespeople. It can be difficult to make smart buying and lending decisions. Consumer protection is the protection of your rights as a consumer by being a well-informed and careful buyer. Some state and federal laws provide protection from unfair and deceptive practices by businesses and salespeople, but you must also be diligent in protecting yourself.
The fact sheets in this section will give you tips and information for protecting yourself in consumer transactions.
What is a door-to-door sale?
A door-to-door is when someone sells you a product or service at your home.
Can I get out of a door-to-door sales purchase?
If you change your mind, you have 3 days to get out of a door-to-door sale. If you decide to cancel your purchase, you must send a letter to the company before midnight of the third business day after the date of purchase.
What Does "As Is" Mean?
When a used car is sold "as is," it means you are buying the car in its current condition without any guarantees or warranties. Cars sold "as is" can usually not be returned, and the seller does not have a duty to fix it, even if it breaks down as you are driving it off the car lot.
How do I choose a contractor for home repairs?
Use the following tips when choosing a contractor for home repairs:
When will I receive merchandise that I ordered by mail?
The seller is required to ship the merchandise to you within the time limits stated in its ad or within 30 days if no time is stated.
What Counts As Junk Mail?
Junk mail is any unwanted or unsolicited advertising or promotional material you get in your mailbox.
Why Is Junk Mail Making A Comeback?
It’s a sign of the times. Most people do not trust the junk mail they get in their e-mail inboxes but will take time to look through letters and advertisements they get in their mailbox.
Can I be sued if I do not pay my debt?
If you don’t pay a debt, a creditor or its debt collector can sue you. If it wins, the court will enter a judgment against you. The judgment states the amount of money you owe. Once the judgment is final, the creditor can collect its judgment.
Can my benefits be garnished?
Most federal benefits are exempt from garnishment. The following benefits cannot be taken by most creditors:
What is a Personal Property Exemption (PPE) List?
If a creditor takes a judgment against you in court, the creditor can take your personal stuff to pay the debt owed. You can protect up to $10,000 in personal stuff from being taken by filing a personal property exemption list with the court clerk. A personal property exemption list is a list of cars, bank accounts, furniture, appliances, electronics, household goods, and other personal items that you want to protect from being taken by your creditor.
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