Great Consumer Reports article on how to avoid becoming part of the statistics about Americans being ripped off on car loans.
A MUST-READ if you are or anticipate being in the market to buy a car anytime soon. And for everyone else, a good article to read anyway -- you never know when someone will smash your car for you by driving inattentively and you will be in the market to buy a car on short notice.
Oregon Consumer Justice grants available for groups helping tenants access or apply for rent assistance
Oregon Consumer Justice (OCJ) is making money available to community-based organizations working to support tenants in accessing rent assistance payments or making applications for rent assistance.
There's more information and a link to the application here: https://lnkd.in/gu7JBAzz
Many organizations, community leaders, and individuals are hard at work trying to help prevent evictions, which are traumatic and have far-reaching impact on people's well-being.
Spread the word about this resource which might help reach community members who don't know there's help available or don't have the ability to access that help.
If you have questions, please direct them to either Janet Byrd at firstname.lastname@example.org or
Joseluis Maldonado at email@example.com
Are you behind on your rent or utilities? Website directory shows the rent and utility assistance programs you may be eligible for where you live.
The federal Consumer Protection Financial Bureau (CFPB) has a website where you can see if there is rental assistance money available that you can access in order to help you avoid eviction for failure to pay rent.
Check it out if you are behind in your rent or utility payments.
Some elder advocate organizations have put together a pretty good online resource for helping you know how to keep your money safe as you age. (Elders are the main target of scammers.)
Even if you think you have everything all set, it's worth looking these pages over.
The Thinking Ahead Roadmap is for everyone, not just people with significant assets. It includes information specifically geared towards "solo agers" (who don't have an immediate family member or partner to step in) and people with complex personal situations.
This new tool was designed by Dr. Marti DeLiema of the University of Minnesota and by Naomi Karp and Steve Vernon, research scholars at the Stanford Center on Longevity, with support from AARP and the Society of Actuaries. It's based on extensive research through interviews with experts from multiple disciplines (including elder law attorneys on this list - thanks for your help!), focus groups and an online community forum of over 100 older adults.
In addition to the website itself, the roadmap is available in PDF form to download, as are additional helpful documents. In the future, it will be available for ordering in print.
Please help spread the word about the Thinking Ahead Roadmap to your colleagues, clients, families and communities.
Oregon has an unclaimed property registry, currently in the Department of State Lands but moving to the State Treasury Office on July 1.
You should check it once in a while - it's quick and easy.
Just click https://unclaimed.unclaimed.oregon.gov/oregon.gov/ and enter your name.
Nice resource for Oregon Legal Research - Integrated, Readable Online Statutes and Administrative Rules
Coder-turned-Attorney Robb Shector has further enhanced his first big online laws project from his law school days, the excellent online Oregon statutes depository (Oregonlaws.org). Robb has made that even more valuable by coming up with a way to provide a very smooth integration with the statutes from his version of the online Oregon Administrative Rules (OARs). Robb's OARs database now provides hotlinks to statutes so you can easily go check the statutes as you are researching the rules and then easily return to the rules.
You can see Robb's administrative rules set here: https://oregon.public.law/rules (photo below of the entry page).
Having worked with others (I don't have the technical chops to do the coding myself) to bring readable OARs to Oregonians for a long time (see OregonAdminRules.org tab at top of page), I know Robb put in an awful lot of work.
Hats off to Robb for bringing this home at last. It's pathetic that the State of Oregon publishes statutes and rules in such a poorly designed format (all left-justified text that is all but impossible to use without extensive manual reformatting).
It would require little or nothing by the state to give Oregonians these important publications in a clear, always-up-to-date, easy to use form, as Robb has shown.
The Governor has wisely ordered that any Oregonian's CARES check be free from garnishments by creditors (except for restitution garnishments for criminal justice debts) during the COVID-19 emergency. The top picture is the key provision. If you want the full text and all the details and definitions, the full order is shown below that and you can download it by clicking on the down-facing arrow.
Kudos to Gov. Brown for acting to help Oregon families survive this crisis in this critical period.
Outstanding FREE Online Resource "SURVIVING DEBT" to read if you are struggling financially due to COVID-19 (or for any other reason)
The heroes at the National Consumer Law Center (NCLC.org) have made their comprehensive 50th Anniversary guide for debtors called “Surviving Debt” available at no charge for ANYONE.
This is an outstanding resource for ordinary folks who don’t want to try to read law books or statutes etc. It’s in clear, plain English. I have given away more than two dozen copies to friends and clients and it’s usually the first book I reach for when someone has a question about how to manage their debts of ANY kind.
While you isolate in place, if you are worried at all about your finances, take the time to read the first 10 short chapters and then the chapters for your type of debts. So you don't have to read it all -- just the first couple chapters and then the chapters that pertain to your type of problem.
(And if you yourself are able to make a contribution to NCLC, they would welcome it and put it to good use.)
Find it here: https://library.nclc.org/SD
John Gear Law Office -
LAWYERLY FINE PRINT:
John Gear Law Office LLC and Salem Consumer Law. John Gear Law Office is in Suite 208B of the Security Building in downtown Salem at 161 High St. SE, across from the Elsinore Theater, a half-block south of Marion County Courthouse, just south of State Street. There is abundant, free 3-hour on-street parking throughout downtown Salem, and three multi-story parking ramps that offer free customer parking in downtown Salem too.
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