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ALASKA Unclaimed Money
Unclaimed Property
PO Box 110420
Juneau, AK 99811-0420
Phone: 907.465.3726 Fax: 907.465.2394
ARIZONA Unclaimed Money
Department of Revenue
Unclaimed Property Unit Site Code 604
P.O. Box 29026
Phoenix, AZ 85038-9026
Phone No. 602-364-0380 Fax No. 602-542-2089
ARKANSAS Unclaimed Money
Unclaimed Property Division
Auditor of State
1400 W. 3rd St., Suite 100
Little Rock, AR 72201-1811
Phone No. 1-800-252-4648 Phone No. 501-682-6000 Fax No. (501) 682-6005
CALIFORNIA Unclaimed Money
State Controller Steve Westly
Division of Collections - Bureau of Unclaimed Property
3301 C Street, Suite 712
P.O. Box 942850
Sacramento, CA 94250-5873
Phone No. (916) 323-2827 Phone No. 1-800-992-4647 Fax No. (916) 323-2851
COLORADO Unclaimed Money
The Great Colorado Payback Office
1120 Lincoln Street
Suite 1004
Denver, CO 80203
Phone No. (303) 894-2443 Phone No . (800) 825-2111 Fax No. (303) 894-2351
Email: greatcopayback@qwest.net
CONNECTICUT Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
PO Box 5065
Hartford, CT 06102
Phone No. (800) 833-7318 Fax No. (860) 702-3044
DELAWARE Unclaimed Money
Bureau of Abandoned Property
P.O. Box 8931
Wilmington, DE 19899
Phone No. (302) 577-8205 Fax No. (302) 577-8656
DISTRICT OF COLUMBIA Unclaimed Money
Office of Finance & Treasury
Unclaimed Property Unit
810 1st Street NE, Room 401
Washington, DC 20002
Phone No. (202) 442-8181 Fax No. (202) 442-8180
Email: DCUnclaimed.Property@dc.gov
FLORIDA Unclaimed Money
Department of Financial Services
Tom Gallagher, Chief Financial Officer
200 E. Gaines Street
Tallahassee, FL 32399-0358
Phone No. (850) 410-9253 Fax No. (850)410-9728 Phone No. FL only 1-888-258-2253
Email: funclaim@dfs.state.fl.us
GEORGIA Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490 Fax No. (404) 968-0772
Email: ucpmail@gatax.org
HAWAII Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490 Fax No. (404) 968-0772
Email: ucpmail@gatax.org
IOWA Unclaimed Money
Michael L. Fitzgerald, State Treasurer
The Great Iowa Treasure Hunt
Lucas State Office Building
321 East 12th Street
1st Floor
Des Moines, IA 50319
Phone No. (515) 281-5367 Fax No. (515) 242-6962
Email: foundit@tos.state.ia.us
KANSAS Unclaimed Money
State Treasurer
Unclaimed Property Division
900 Jackson Suite 201
Topeka, KS 66612-1235
Phone No. (785) 296-4165 Fax No. (785) 296-7950
Email: Unclaimed@treasurer.state.ks.us
KENTUCKY Unclaimed Money
Treasury of Kentucky
Unclaimed Property Division
Capitol Annex, Suite 183
Frankfort, KY 40601
Phone No. (800) 465-4722 Fax No. (502) 564-4200
Email: Unclaimed.property@mail.state.ky.us
NEVADA Unclaimed Money
Office of the State Treasurer
Unclaimed Property Division
555 E Washington Avenue
Suite 4200
Las Vegas, NV 89101-1070
Phone No. (702) 486-4140 Fax No. (702) 486-4177
Email: unclaimed@NevadaTreasurer.com
NEW HAMPSHIRE Unclaimed Money
Treasury Department
Unclaimed Property Division
25 Capitol Street , Room 121
Concord , NH 03301
Phone No. (603) 271-2619 Fax No. (603) 271-3922
Email: ap@treasury.state.nh.us
NEW MEXICO Unclaimed Money
Taxation & Revenue Department
Unclaimed Property Division
P.O. Box 25123
Santa Fe, NM 87504-5123
Phone No. (505) 827-0767 Fax No. (505) 827-1759
Email: poffice@state.nm.us
NEW YORK Unclaimed Money
State Comptroller
Office of Unclaimed Funds
110 State Street
Albany, NY 12236
Phone No. (518) 270-2200 Phone No. (800) 221-9311 (NY only)
Fax No. (518) 473-2177
NORTH CAROLINA Unclaimed Money
Department of State Treasurer
Esheat & Unclaimed Property
325 North Salisbury Street
Raleigh, NC 27603-1385
Phone No. (919) 508-5176 Fax No. (919) 508-5167
Email: unclaimed.property@treasurer.state.nc.us
NORTH DAKOTA Unclaimed Money
State Land Department
Unclaimed Property Division
P.O. Box 5523
Bismarck, ND 58506-5523
Phone No. (701) 328-2800 Fax No. (701) 328-3650
Email: llfisher@state.nd.us
OHIO Unclaimed Money
Department of Commerce
Division of Unclaimed Funds
77 South High Street - 20th FL
Columbus, OH 43215-6108
Phone No. (614) 466-4433 Fax No. (614) 752-5078
Email: unfd.claims@com.state.oh.us
OKLAHOMA Unclaimed Money
Oklahoma State Treasurer's Office
Unclaimed Property Division
4545 North Lincoln Boulevard, Suite 106
Oklahoma City, OK 73105-3413
Phone No. (405) 521-4275 Fax No. (405) 521-2146
Email: Unclaimed @treas.state.ok.us
OREGON Unclaimed Money
Department of State Lands
Trust Property Section
775 Summer Street NE Suite 100
Salem, OR 97301-1279
Phone No. (503) 378-3805 Fax No. (503) 378-4844
Email: claims@dsl.state.or.us
PENNSYLVANIA Unclaimed Money
State Treasurer Barbara Hafer
Unclaimed Property Division
P.O. Box 1837
Harrisburg, PA 17105-1837
Phone No. (800) 222-2046 Fax No. (717) 787-9079
RHODE ISLAND Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 1435
Providence, RI 02901-1435
Phone No. (401) 222-6505 Fax No. (401) 274-3865
Email: treasury@treasury.state.ri.us
SOUTH CAROLINA Unclaimed Money
Unclaimed Property Program
State Treasurer’s Office
PO Box 11778
Columbia, SC 29211-1778
Phone No. (803) 737-4771 Fax No. (803) 734-2668
Email: payback@sto.state.sc.us
SOUTH DAKOTA Unclaimed Money
Office of the State Treasurer
Unclaimed Property
500 E Capitol Ave.
Pierre, SD 57501-5070
Phone No. (605) 773-3379 Fax No. (605) 773-3115
Email: unclaimed@sdtreasurer.com
TENNESSEE Unclaimed Money
Unclaimed Property Division
9th Fl, Andrew Jackson State Office Bld
Nashville, TN 37243
Phone No. (615) 741-6499 Fax No. (615) 734-6458
Email: UCP.Information@state.tn.us
UTAH Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
341 South Main St., 5th Floor
Salt Lake City, UT 84111
Phone No. (801) 320-5360 Phone No. (888) 217-1203
Fax No. (801) 533-4096
VERMONT Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
133 State Street
Montpelier, VT 05633-6200
Phone No. (802) 828-2407 Fax No. (802) 828-2772
VIRGINIA Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 2478
Richmond, VA 23218-2478
Phone No. (800) 468-1088 Phone No. (804) 225-2142 Fax No. (804) 786-4653
Email: ucpmail@trs.state.va.us
WASHINGTON Unclaimed Money
Department of Revenue
Unclaimed Property Section
PO Box 47477
Olympia, WA 98504-7477
Phone No. (360) 586-2311 Phone No. 800-435-2429 (WA only) Fax No. (360) 586-2163
WEST VIRGINIA Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
One Players Club Drive
Charleston, WV 25305
Phone No. (800) 642-8687 Fax No. (304) 558-4835
Do you qualify for free cash? Here are ways to find unclaimed money online and offline:
Who couldn't use some extra money? Many people have absolutely no clue where to search for unclaimed money, nor can define what unclaimed money actually is.
In state treasuries alone, 1 in 10 people are owed money from places like banks, former employers and unclaimed tax refunds. I didn't find any money owed to me, but I did find money owed to family members. The sad thing is; even after I told them they had unclaimed money due to them, they still didn't have any idea how to claim it. What's further sad is that; even after being told how, they thought it was too much trouble. So then I posed this question: "If I claim the money for you, will you give me some of it for my time and effort?" The answer of course was "Yes!" So; as it turned out, I did have free money coming to me, too! You can also cash-in by helping family members.
Here are places to look:
Closed banks where you were a member, as well as banks where you closed accounts. Once a financial institution fails, the FDIC takes over and is responsible for paying insured deposits and the liquidation of remaining assets. Also, some accounts get closed for a variety of reasons and any balances owed that were returned to the bank as undeliverable are still out there. Search for unclaimed funds in your name at
www2.FDIC.gov/Funds/Index.asp
Failed Credit Unions in which you had an account. When a credit union with federal insurance is liquidated, the National Credit Union Administration's Asset Management and Assistance Center is responsible for paying the share accounts to members. Due to uncashed checks or incomplete addresses, some of the money remains unclaimed. If you think the National Credit Union Administration may have funds in your name, contact its Asset Management and Assistance Center at 512-231-7900
Businesses that closed down while you were an employee. If a company you worked for went out of business, you may still be eligible for any pension earned while an employee. When a company goes out of business, the pension plan is generally transferred to the Pension Benefit Guaranty Corporation (PBGC). Search the Missing Participants service at PBGC to see if any money is owed to you at
https://Search.PBGC.gov/mp/mp.aspx
State Unclaimed Property. Over $32 billion in unclaimed property is safeguarded by state treasurers and agencies. Unclaimed property refers to accounts in financial institutions and companies that have been inactive or had no contact with the owner for over a year. It includes savings or checking accounts, uncashed payroll checks, certificates of deposit, stocks and more. Every U.S. state has unclaimed property programs that help find the rightful owners. Tip: If your parents passed away, be sure to check their names, too
Government Benefit and Assistance Programs. If you've suffered a national disaster or disability, need help with child care or health care, or require tax or living assistance, you may be eligible for financial assistance from the government. Go to
GovBenefits.gov and search for specific benefits or take a questionnaire to find out which program(s) you may qualify for
Other free
government money tips:
If you have an FHA-Insured Mortgage: You may be eligible for a refund from the U.S. Department of Housing and Urban Development. Find out if there's a refund for you at
HUD.gov/Offices/HSG/comp/refunds/index.cfm
If you earned but didn't receive a Tax Refund: If you have not received your tax refund, it could be due to an incorrect address, or perhaps you recently got a divorce or a close family member passed away. For whatever reason, the IRS may still have an unclaimed tax refund on file. Check
IRS.gov
Grants
for Organizations and Individuals
A federal grant is financial assistance from a federal agency and the grant recipient must carry out a public purpose authorized by a law of the United States.
Federal grants are not federal assistance or loans to individuals and may not used to get property or services for the federal government's direct benefit.
There are 26 Federal Agencies that offer over 1,000 grant programs in different categories.
Here are
the 26 agencies that provide grants: The Department of Health and Human Services, Agency for International Development, Corporation for National
and Community Service, Department of Agriculture, Department of Commerce, Department of Defense, Department of Education, Department of Energy,
Department of Health and Human Services, Department of Homeland Security, Department of Housing and Urban Development, Department of the Interior,
Department of Justice, Department of Labor, Department of State, Department of Transportation, Department of the Treasury, Department of Veterans
Affairs, Environmental Protection Agency, Institute of Museum and Library Services, National Aeronautics and Space Administration, National Archives and
Records Administration, National Endowment for the Arts, National Endowment for the Humanities, National Science Foundation, Small Business
Administration, and the Social Security Administration.
There are infomercials and websites
that advertise free money, however few are available to individuals and there are none available that provides personal financial
assistance. You can find out if you are eligible to apply for grants on Grants.gov website and you can watch a tutorial. If you register as an Individual, you
will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is
just open to organizations.
Some examples of Organizations are: Government, State, Local, City, Township, Special District, Native American Tribal
Governments, Education, Public Housing, and Non-Profit Organizations.
Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration
(SBA) has established for most industries in the economy. The most common size standards are as follows:
* 500 employees for most manufacturing and mining industries
* 100 employees for all wholesale trade industries
* $6 million for most retail and service industries
* $28.5 million for most general & heavy construction industries
* $12 million for all special trade contractors
* $0.75 million for most agricultural industries
About one-fourth of industries have a size standard that is different from the levels above and they vary from $0.75 million to $28.5 million for size
standards. This is based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees. With some
exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA.
Visit the website: govbenefits.gov to get all the FAQs about grants and grant information for organizations and individuals.
Government
Money
The
government has rural housing repair loans and grants programs and these may
provide loans and grants to low-income homeowners. Homeowners use these programs
to repair or improve their homes or to remove health hazards of their rural dwellings. Loans
can be arranged for up to 20 years at a low interest rate. There are some grants
for who are 62 years of age or older and can be used only to pay for repairs and improvements to remove health
hazards. Loan or grant combinations may be arranged for people who can repay part of the cost.
Low-income for this program is defined as those below 50 percent of the area median income.
Some
program requirements are that you must be a U.S. citizen or permanent resident who lives in a rural area.
There may be some loans of up to $20,000 and grants of up to $7,500. A real estate mortgage is required for loans of $7,500 or
more and full title services are required for loans of $7,500 or more. Grants may be recaptured if the property is sold in less than three
years and loans and grants can be combined for up to $27,500 in assistance.
Visit the govbenefits.gov website for this information.
Government
Money
The Bureau of Engraving and Printing redeems partially destroyed or badly damaged currency
for free. The U.S. Treasury handles about 30,000 claims each year and redeems mutilated currency.
They use experts to examine mutilated currency and will approve the issuance of a Treasury check for the value of the currency determined to be redeemable.
If you want to know what mutilated currency is see the descriptions below:
*
More than one-half of the original note is not clear
*
It is in such a condition the value is questionable and needs special examination.
Currency can become mutilated in
many ways like by means of fire, water, chemicals, explosives; animal, insect or rodent damage; and
by burying. Regulations issued by the Department of the Treasury, mutilated U.S. currency may be exchanged at face value
if more than 50% of a note identifiable as United States currency or 50% or less of a note
is identifiable as U.S. currency and the method of mutilation and evidence demonstrates to the satisfaction of the Treasury that the missing portions have been totally destroyed.
More IRS tax forms to file and new credits and deductions for 2009 - When taxpayers sit down to file their 2009 returns, they will find plenty new -- some the result of adjusting for inflation, and other changes passed by Congress last year to try to bring the country out of recession.
Some things affect all taxpayers. The personal exemption, for example, has increased, to $3,650 each for the taxpayer and dependents, up $150 from 2008.
And tax brackets have been adjusted upward by about 5 percent since 2008. That means you might not jump to a higher tax bracket if you earned more.
Others revisions are more likely to affect low and moderate income workers. Income limits for the earned income tax credit have been raised and there's a new category -- families with three or more children. The Internal Revenue Service says one in six taxpayers claim the credit.
Still other changes affect those at higher income levels. The exemption for the alternative minimum tax has been increased once again, this time to $70,950 for joint returns and $46,700 for individuals. If your income is higher than these amounts, you could be subject to the AMT tax. These changes are among those that happen every year, to keep taxes in line with inflation. But there are a host of other revisions, new for 2009, that will make filing your tax return this year a little more complicated.
For one thing, the standard deduction for taxpayers who don't itemize has become a little less standard.
The standard deduction itself has increased to $11,400 for married couples filing jointly, $5,700 for individuals and $8,350 for heads of household. As before, it is even bigger if you are blind or 65 or over.
But new this year, you can take more of a standard deduction if you paid state or local real estate taxes, bought a new car and paid sales or excise taxes and met the income limits, or were a victim of a federally declared disaster. If you choose to increase your standard deduction by one or more of these items, you'll have to file a new form Schedule L. Otherwise, you can just enter the standard deduction on Form 1040.
The three deductions -- for state or local real estate taxes, sales or excise taxes on new car purchases or net disaster losses -- also can be taken by people who itemize.
There are expanded tax credits for home purchases and education. And a tax credit for making your home more energy efficient has been reinstated.
Tax experts caution people to be careful that they're claiming every deduction and credit to which they're entitled. A credit reduces the amount of tax you owe; a deduction reduces the income on which taxes are assessed.
You're likely already receiving the benefit of the Making Work Pay credit under the stimulus bill that Congress passed last year. However, you may have to pay a portion back if you're a married couple and both spouses work, or if you have more than one job. If you're a low- or moderate-income worker, you might have some money due to you. A new form, Schedule M, will have to be filed to claim the credit.
Avoid errors and file online to get a fast tax refund: Some errors are mathematical. Others involve omission -- like failing to include your Social Security number or those of your dependents. Make sure you pick the correct filing status -- head of household or surviving spouse vs. single, for example. And don't forget to sign your return.
Last year, the IRS received more than 141 million tax returns. Of those, about 70 percent were filed electronically. More than 110 million filers were due refunds, averaging $2,753 each.
The IRS encourages people to file electronically, saying it reduces errors and enables people to get their refunds more quickly. People who file electronically and use direct deposit can get their refunds as soon as 10 days after they file.
This year, the agency estimates that it will take taxpayers using form 1040 an average 21.4 hours to complete their taxes. That includes record keeping, tax planning, and completing and filing the return. The more complicated your return, the more time it will take to complete it.
Changes for homeowners: One major thing that taxpayers will find different this year is the homebuyer tax credit. In 2008, the credit was actually an interest free, long term loan. For people who purchased a home in 2009, the credit is a true credit -- it only has to be paid back if you stop using the home as your principal residence within three years of purchase. The credit is $8,000 for first-time homebuyers, defined as those who haven't owned a home in the last three years. Congress also added a credit for long-time homeowners who purchase a new principal residence -- $6,500. To qualify, a homebuyer would have had to live at least five years in a previously owned home. There are income limitations for both.
Expanded credit for college education: The new American opportunity credit provides a maximum annual credit of $2,500 per student for each of the first four years of college. The Hope credit that the new credit replaces temporarily covered only the first two years and for most people was smaller. To be eligible, taxpayers would have to pay $4,000 or more in tuition, fees and course materials. The credit, which phases out at higher incomes, is 40% refundable. This means that even people who owe no tax can get an annual payment of the credit up to $1,000 for each eligible student. What about those students who take more than four years to finish college? If you're in your fifth year, you're out of luck. However, there is another credit -- the lifetime learning credit -- that may be available for students in their fifth or sixth year of college, or in graduate school.
Other tax changes: Other changes include the reinstatement of the credit for making your home more energy efficient. The maximum credit has increased, to $1,500 for $5,000 in expenditures on things like insulation, storm windows or an energy efficient furnace.
For people who lost jobs, the first $2,400 in unemployment benefits is not taxable.
To benefit from most of the tax breaks, you would have had to take action before the end of 2009. But there are a couple of exceptions. You still might be able to claim the homebuyer credit if you have a signed contract by April 30. And, if at the end of the day you find you owe the IRS money or want a bigger refund, you may be able to contribute to an individual retirement account until April 15 and take a deduction on your 2009 taxes.
If you're covered by a plan at work, you may be able to deduct a contribution of $5,000 -- $6,000 if you're at least 50 -- if your modified adjusted gross income is less than $65,000 if you're filing as an individual, or $109,000 if you're married filing jointly.
Three tax deductions -- for state or local real estate taxes, sales or excise taxes on new car purchases or net disaster losses -- also can be taken by people who itemize.
There are expanded tax credits for home purchases and education. And a tax credit for making your home more energy efficient has been reinstated.
Tax experts caution people to be careful that they're claiming every deduction and credit to which they're entitled. A credit reduces the amount of tax you owe; a deduction reduces the income on which taxes are assessed.
You're likely already receiving the benefit of the Making Work Pay credit under the stimulus bill that Congress passed last year. However, you may have to pay a portion back if you're a married couple and both spouses work, or if you have more than one job. If you're a low- or moderate-income worker, you might have some money due to you. A new form, Schedule M, will have to be filed to claim the credit.
Government
Grant Money
When
applying for a grant, be sure to locate a grant that interests you and apply. Be
sure to record the Funding Opportunity Number and/or CFDA Number and then use a
few basic steps to get started. You usually need to download an application package
to complete and then submit the package. If there are any problems trying to
locate or apply for a grant, usually there is a resource or user guide page on
the grant website.
There
are grant programs for federal or state grants, and there is a difference between organizational and individual grant applicants.
An organizational grant applicant is for one who submits a grant on behalf of a company, state, local or tribal government, academia, or other type of organization.
A
grant for an individual is a person who submits a grant for themselves and is
not doing it for some type of organization. Visit the grant.gov site to search and apply
for grants.
By
downloading an application package, you can complete the forms at your leisure and
you could have someone help you complete them. To submit electronic grant applications,
you would need the status of an Authorized Organization Representative (AOR). It
is easy to check your grant status by logging into Grants.gov, if you registered your username and password.
Visit the grants.gov website for this information and more, as well as listings
of grants. Don't be scammed by websites that want to charge large you large
amounts of money just to give you information about grants.
Government Money
A
good example of government
money are grants or funds. For example a grant was given for neighborhood revitalization in New Orleans.
This was a $1 million dollar grant from the American Recovery and Reinvestment Act
(ARRA). This was to help Urban Strategies, Inc. foster a self-sufficiency and safe neighborhoods in
New Orleans. The goal is to revitalize the Harmony Oaks community and implement a
building program for local nonprofits to promote economic recovery and help low-income families secure and retain jobs.
The efforts revolved around transforming Harmony Oaks into a vibrant mixed-income
community and rental units, home ownership units, a K-4 charter school, a health suite, and a recreation facility.
Some
grants can be used for social means to help families and children get out of cycles of poverty.
There can be grants to turn areas into thriving economically benefiting areas
for people. The one million dollar grant was awarded through the Strengthening Communities Fund (SCF) at the Department of Health and Human Services. They awarded
millions to 84 grantees to build nonprofit organizations help with some economic recovery issues
in their communities. Money to help low-income individuals find and keep employment, earn higher wages, and achieve
self-sufficiency are indeed important uses of funds. Visit the Grants.gov.
website for these details and more information.
Government
Money
If
you are looking for government money in the form of a job, there are some summer
experiences that would allow some people to work with those who manage the business of our
Nation. That is right, the Federal Government might be able to give you that
chance if they select you. Summer jobs are at times available in Federal agencies throughout the United States and
there are many types of positions. Review the government's website for
information to the job site of the US Federal Government.
The
information on their website may help you find a job and you may be able to
create an online resume. Once you have located the summer job, review the steps
to complete an application. Be sure to specify the title of the job and the announcement number on
applications. Always make sure applications are fully completed and write down
any phone numbers you may need. For summer jobs, it may be important to start
early in the year, and be sure to note any deadlines.
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Cons of Cosigning a High Risk Loan
- Before you cosign a loan, be prepared for the worst.
*There's already doubt about the borrower's ability to repay, because he/she needed you to cosign due to their bad credit score.
*You are equally responsible for repaying the loan if the borrower doesn't cough up the cash.
*If the borrower makes a late payment, that could also affect your credit report score.
*If the borrower files bankruptcy for the debt and no longer has to repay it, you are still liable and can be sued for payment.
Advice: If you are asked to cosign a loan, assume the borrower will default and first ask yourself if you are able to make every payment. If so, instead of cosigning the loan, perhaps it would be safer for you to take out the loan solely in your name, and then you sub-lend that money as a person-to-person personal loan. You will make all the monthly payments regardless if the borrower repays you. With this alternative option, you will secure your good credit (and perhaps improve scores as well). Afterall; even if you choose to be a cosigner instead, you're still liable in the event of default.
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Credit Card Agreement Law -
From prime to subprime, and from rewards cards to low limit bad credit card issuers, the new government law requires posting of Credit Card Agreements.
Even if you are not currently a cardholder, the new law allows you to first preview credit card agreements, terms and conditions, before you submit your
application. Compare agreements and terms of secured and unsecured credit cards so you can choose the best credit card offer for you.
