Ready-to-Go Forms with Step-by-Step Instructions at: Sourcebooks.com/extras/complete-credit-repair-kit.html Are you looking for A FRESH START? The Complete Credit Repair Kit is your first step in taking control of your financial worries. Written for the millions of consumers who have low or inaccurate credit scores or who have filed for bankruptcy, this guide offers easy-to-follow advice on cleaning up your credit report, improving your credit score, lessening your debt, and coping with financial difficulties. This updated third edition features information to help you survive difficult economic times, including overviews of the latest laws and programs established to protect consumers and homeowners, as well as new tips on paying off student loans, reducing expenses, and negotiating medical debts. In hard times, it is more important than ever to be armed with knowledge about your rights. You can take charge of your financial situation, no matter how dire it may seem, and discover solutions that will get your credit back on track. Learn How To: *Lessen your debt *Negotiate with your creditors for lower payments *Understand what your credit score means *Understand your rights in regard to the Credit Card Act *Modify your mortgage payments with programs such as the Home Affordable Modification Program *Consolidate student loans *Get changes made to your credit report *Prevent identity theft *And much more... Brette McWhorter Sember is a retired attorney and mediator who practiced law in New York. Her practice included consumer issues, bankruptcy, and Better Business Bureau mediation. She has taught classes about credit and debt for online universities and community education programs and frequently writes about credit and debt issues. Sember has authored over 30 other books and her work has appeared in over 200 publications. Her website is BretteSember.com.

The Complete Credit Repair Kit (Complete . . . Kit)

Business & Money

McWhorter Sember, Brette

Personal Finance

Sphinx Publishing

GUIDE TO CUSTODY, SUPPORT, AND VISITATION RIGHTS IN NEW YORK Are you having trouble collecting child support? Do you want to get custody of your children? Do you want to seek child support but don't know how? The answers to your questions may lie in this book. Whether you are divorced, still married and can't afford a divorce right now or have never been married to the other parent of your children, this book will tell you how to get or modify custody or visitation of your children and how to ask for, defend against, modify and enforce child support. The book contains all the forms you need with easy to follow explanations and also helps guide you through New York's Family Court. The book contains extensive appendices that give you important information such as lists of supervised visitation programs, local bar associations, legal aid associations and family courts, charts to help you easily determine child support and resources to help you cope. This book explains in simple language: --getting custody or visitation in New York --understanding New York court procedure --modifying a custody, visitation, or support order --taking action in case of parental kidnapping or abuse --finding an attorney, even when you cannot afford one --working with an attorney --gathering, organizing and presenting evidence --testifying and calling witnesses --defending a child support case --understanding child support calculations in New York --finding and understanding New York law --filing a custody suit and presenting it in court --determining paternity --getting sole or joint custody --collecting and enforcing overdue child support --working with the judge and reaching settlements --coping with it all --dealing with interstate law if the other parent is out of state

Child Custody, Visitation and Support in New York (Legal Survival Guides)

Legal Self-Help

The Wait Is Finally Over...Whether you are thinking about adopting a child or using reproductive treatments to become pregnant, The Complete Adoption and Fertility Legal Guide explains your options, gives you the steps to take to protect your decision and hands you the power to make it happen.Every year assisted reproduction becomes more common as new reproductive technologies are added to the list of possible choices. Proven procedures and emerging technologies are discussed with answers to questions like: - What should you do to prevent a sperm or egg donor from later claiming custody of  your child? - Why does a surrogate's husband need to be a party to the contract? - How can a surrogacy contract help you spot potential problems? - What steps should you take for the disposition of frozen genetic material?The procedures for all types of adoptions are covered, as well as the agreements, required notices and documentation needed to support your decision. Learn more about: - Protecting against a birth father from claiming paternity - When birth parents can revoke their consent to the adoption - Your rights as a gay or lesbian couple to adopt - Why you have to readopt a child adopted internationallyMake the Decision  that is Right for You.

The Complete Adoption and Fertility Legal Guide (Sphinx Legal)

Parenting & Relationships

Adoption

This manual is the only book designed for both residential and non-residential parents. Formatted and printed in a back-to-back manner, the book encourages both sides to understand the other's point of view, and so enables both parents to make the most of time spent with the children. How To Parent with Your Ex provides support for the difficult situation the non-residential parent is in and practical, to-the-point advice about how to reap the most benefits from the visitation time available. Conversely, it addresses the role of the residential parent and the need to understand the changing relationships the child is going through. By focusing on the child, both parents are able to solidify a special relationship with the child and maintain necessary, positive communication with the ex-spouse. Appendices for this text include various parenting organizations, publication resources, related websites and sample visitation plans and schedules.

How to Parent with Your Ex: Working Together for Your Child's Best Interest

Parenting

What options do I have on my path to parenthood? Conceiving your own child is difficult. Innovative technologies in assisted reproduction explore new alternatives to traditional pregnancy, but legal matters and financial considerations complicate these choices. Educate yourself on the available options that are allowing families to bring a baby into their homes. The Infertility Answer Book answers your questions regarding the advantages and disadvantages involved with all of the options available, including: - How do find an egg donor? - Will my insurance cover fertility treatments? - What happens in cryopreservation if a parent dies? - What are the risks with using a surrogate? - Should I also be trying adoption? - What laws are involved with insemination? - How do I keep embryo donation private? - When should I discuss my ART choice with my child? The Infertility Answer Book is your complete guide to the family-building possibilities beyond traditional pregnancy.

The Infertility Answer Book

Health, Fitness & Dieting

"This clearly written, comprehensive, accessible guide belongs in the library of all gays and lesbians who are thinking of partnering or who are already partnered.... Learn about domestic arguments, managing joint income and protecting yourself and your significant other financially...buy and read this book." -Martin Kantor, MD, author of My Guy and Together Forever Legal rights for the GLBT community are expanding every year. Cities and states all over the country are passing new legislation that makes it easier than ever before to protect yourself and your relationships. Gay &amp; Lesbian Rights details how you can take advantage of the latest legal advances. - A brand-new section answers all your questions about the eight states that legally recognize same-sex partnerships. - A convenient appendix features useful resources such as websites, organizations and hotlines for information and support-including support for GLBT teens. - Tip boxes highlight how to find the information you need to live your life the way you want. Gay &amp; Lesbian Rights explains how to stand up for your rights, use the law to your advantage and get the results you need-even in not-so-GLBT-friendly environments. Use Gay &amp; Lesbian Rights to learn how to: - formalize your relationship through a civil union or marriage - register a domestic partnership - defend yourself against discrimination - encourage equality in the workplace - combine finances and households - obtain health insurance for your family - adopt or conceive a child - ensure a safe school environment for your children - provide for your family with estate planning tools - end a domestic partnership - make a difference in your community

Gay and Lesbian Rights: A Guide for GLBT Singles, Couples and Families

Politics & Social Sciences

Social Sciences

SPEND THIS TIME ENJOYING LIFE-NOT WORRYING ABOUT THE FUTURE Admit it. Growing older has some perks. Special discounts and exclusive benefits are just a few of the things you can now take advantage of. There are also several programs and government regulations that now play a bigger role in your life. Have you explored all the options available to you for a secure future? Seniors' Rights is designed to help you make the most of everything you are entitled to and maximize benefits to the fullest. It provides essential information on topics ranging from health care and health insurance to where to live and how to travel. This book details ways to make the golden years your best years, with helpful tips on: --Who are the best employers for seniors --What housing choice is best for you --When to apply for your Social Security benefits --Where to find tax assistance --How to protect yourself from fraud You have a lot of changes ahead of you. Be prepared to make the most of each and every one of them by using Seniors' Rights as your guide. SENIORS' RIGHTS PROVIDES CRUCIAL information on: --Financial Planning --Reverse Mortgages --Retirement --Social Security --Medicare --Home Safety --Property Tax Exemptions --Assisted Living --Scams --Discrimination --Grandparents' Visitation --Veterans' Benefits --Long-Term Care Insurance --Wills and Estates

Seniors' Rights: Your Guide to Living Life to the Fullest (Legal Survival Guides)

Self-Help

Under New York law, if you do not follow the exact procedures required of landlords, you can be liable to tenants for thousands of dollars in damages and attorney's fees. The Landlord's Legal Guide in New York explains New York's landlord/tenant laws in simple language so you can protect your rights and your investment. This book thoroughly explains what to do and how to do it, with forms, flowcharts and examples from actual cases. Complete with step-by-step instructions and the forms you need, this book can significantly reduce your costs and potential liability as a landlord. It explains and gives guidelines for: Tenants' applications Evictions Claims on security deposits Bad check notices Abandoned property rules Suits for back rent Pets Discrimination laws Maintenance rules

The Landlord's Legal Guide in New York (Legal Survival Guides)

Warda, Mark

Real Estate

A divorce can be one of the most painful and expensive experiences of your life. Whether you use a lawyer or not, protect yourself by getting all the information you need about New York divorce law and your legal rights. File for Divorce in New York simplifies and explains everything you need to know to work with an attorney or handle your case on your own. Whether you are planning to file for divorce, hire an attorney to file for divorce for you or your spouse has already filed, this book will guide you through the divorce process in New York courts. Complete with step-by-step instructions and the forms you need, this book makes divorce in New York easy to understand.

File for Divorce in New York (Legal Survival Guides)

Family Relationships

The Complete Legal Guide to Senior Care contains all the information you need to make the best decisions for the seniors you care about. Written by an attorney, this book explains how to manage residential, financial and medical matters as well as the legal issues that accompany them. In also addresses how to help seniors cope with the emotions that accompany aging and how to discuss with them the delicate issues that aging brings. This book will guide you in: - Arranging wills, living wills and powers of attorney - Evaluating and selecting assisted living residences, continuing care retirement communities and nursing homes - Considering long-term care insurance, Medigap coverage and reverse mortgages - Determining the level of care required - Managing a senior's finances - Working with other family members to coordinate care - Balancing your life as a caregiver - Obtaining hospice care

The Complete Legal Guide to Senior Care

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