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    1. I

      Unemployment and disability

      I truly cannot thank you enough. I didn't reach out to anybody after the other senior members discussed "not poking the bear", but your comments further put me at ease which is priceless. You are correct in that I have way too many things that actually do need my focus between trying to provide...
    2. I

      Unemployment and disability

      I appreciate it. Yes, I've been stressing. I'm an honest person. We've also been struggling so the thought of them coming back to us for repayment later is concerning. At the same time, again, we're struggling so we kind of need the back pay. *sigh* Do they count each month? What I mean is...
    3. I

      Unemployment and disability

      That would be more than he even received if they would want the unemployment plus any UC supplemental amounts. :oops: I would have rather they just back dated it to when we wrote down if that's the case if he'll end up paying more.
    4. I

      Unemployment and disability

      What is the name of your state? NY My husband just got approved for disability. His health has been declining for about 17 years now with it really amping up in 2018. He kept working though and luckily he had PTO and understanding bosses. In 2020, his department got laid off. There wasn't a...
    5. I

      Received summons

      I appreciate it. Thank you.
    6. I

      Difference between separate property and marriage property

      State: NY It is my understanding property bought in one person's name during marriage is still marital property of both people. What about property bought prior to marriage?
    7. I

      Received summons

      I "know" you from being on this page for some time and I respect your knowledge. Is the best move to contact the law firm or contact one of the companies that helps negotiate collections? I've never been in a situation where someone took this route instead of just sending to collections and...
    8. I

      Received summons

      Do I contact the law firm to set up a payment arrangement if one can even be reached or do I respond to one of the companies that already reached out about "maybe they can help"? Also, do I set up payment arrangements with them or do I hire one of those companies that help you clean up your...
    9. I

      Received summons

      What is the name of your state? NY I was hoping to get some guidance. My husband and I had a Discover card. I was laid off last spring and we fell behind on our payments. In August, my MIL entered the hospital with terminal illnesses and we began being with her often to spend time, help take...
    10. I

      Question about filing for disability

      I apologize for the confusion. No he was not military. The checklist I downloaded said that he needed to put together a list of dates of service from each doctor in regards to his condition (appointments, procedures, tests, surgeries). His last company just laid everybody off June 30th because...
    11. I

      Question about filing for disability

      I only know about social security disability. I didn't know there was one by state as well. We're trying to navigate this journey so any advice is appreciated.
    12. I

      Question about filing for disability

      State: NY My husband has had chronic spine issues for about 14 years now. His issues continued to get worse with new things popping up or his chronic issues just getting worse every few months. He saw a substantial decline last April. We are at the point where we think disability may be the...
    13. I

      Question about car title after death

      Thank you everybody.
    14. I

      Question about car title after death

      What is the name of your state? NY, NC, NH My mother-in-law lived in NC where her car is titled. She spent her last 9 months or so in hospice living in NH where my sister-in-law was/ is her power of attorney. I live in NY. My mother-in-law was giving us her car so the plan was for my...
    15. I

      Question about student loan offset and refund

      What is the name of your state? NY My family has been hit by one thing after another this past year. My student loans defaulted and I called a couple of days past the expiration date to work out a payment arrangement. Yes it was my fault. I put the wrong date in my calendar. I was told I'd...
    16. I

      Question about free clip art use

      NY My husband found some drawn art he wants to use in a logo. It was on a site that said it was free for personal use but not commercial. In a case like that is there a certain amount of altering that makes it different enough that it would be ok to use?
    17. I

      Private Car Sale

      What is the name of your state? NY Apparently my area of NY doesn't have the option of giving you a copy of your title in person. You have to order it online which I did and paid the rush fee to get it quickly. It came in and now that I look at it, it still shows the lien holder from ages ago...
    18. I

      Question about unemployment

      The denial was revoked mid-July. I have followed the advice of everyone here and not given him anymore of my energy...I'm not doing the DOL investigation into my vacation time for example even though I still feel I would get it as I have my job description and he doesn't have a signed handbook...
    19. I

      Best legal structure?

      This may be a stupid question, but I saw it looks like there are different applications for sole proprietor Federal tax id numbers and LLC ones. Can I apply as a SP and then change it after becoming an LLC or do I need to take the steps to become an LLC before I do anything else?
    20. I

      Best legal structure?

      You are awesome. THANK YOU!! I absolutely want the protection so I was thinking LLC at minimum. My concern was how things are taxed because I know in the past when I've worked as an independent contractor I was taxed at 30%. Is it the same as an LLC?

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