Category:Legal documents

Client-centered service in a general civil practice, with an emphasis in employment law matters, trial and appellate work, and general business advice. Traditionally, under the common law employers have had wide discretion to set whatever conditions they desire concerning jobs and the workplace. After all, employer-employee law was once known as “master-servant” law. However, such plenary control over employees in the workplace and beyond has come into conflict with societal values which have emerged in the last half-century — particularly such values as privacy, freedom of expression and individual autonomy. Like many other areas in employment law, challenges to employer “intrusions” were first successfully made by employees in the public sector, using constitutional protections such as freedom of speech, freedom of association, and liberty interests. In the private sector, such employer “intrusions” may be subject to challenge under civil rights legislation, or possibly under collective bargaining agreements setting certain industry standards. Employees’ off-duty conduct and choices become employment issues whenever employment decisions are based upon them, rightly or wrongly. If an employee is disciplined or fired for off-duty conduct, or if an applicant is rejected on account of off-duty conduct, then there is an “employment issue.

When Does a Contract Take Effect?

Real Estate Regulations [ – Scope of Regulation [ – ] Article 1 added by Stats. It is unlawful for any person to engage in the business of, act in the capacity of, advertise as, or assume to act as a real estate broker or a real estate salesperson within this state without first obtaining a real estate license from the department, or to engage in the business of, act in the capacity of, advertise as, or assume to act as a mortgage loan originator within this state without having obtained a license endorsement.

The commissioner may prefer a complaint for violation of this section before any court of competent jurisdiction, and the commissioner and his or her counsel, deputies, or assistants may assist in presenting the law or facts at the trial. It is the duty of the district attorney of each county in this state to prosecute all violations of this section in their respective counties in which the violations occur.

Jul 03,  · However, the parties are free, TODAY, to prepare and sign a promissory note about a loan that was made in the past. In other words, it would be dated today and list when the loan was originally made and reflect the repayment agreement terms.4/5.

Application; fee; automatic expiration; prohibitions; administrative fine; authority to file application for purposes of complying with requirements of Registry; applicability. Expiration; procedure for renewal; cancellation and reinstatement; fees; duplicate copy; deposit of fees; regulations. Grounds for granting; revocation; issuance of statement by Commissioner of reasons for granting, denying or revoking.

Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. Employing or associating with certain persons who are ineligible to be mortgage agents. Employing or associating with certain persons who are ineligible to be mortgage loan originators. Control by relative who would be ineligible to be licensed; act or omission of partner, officer or director.

Authority of Commissioner not limited. Notices required; revocation of license unless equivalent bond furnished. Procedure; limitation of time; duties of Commissioner; preliminary payment by surety; action for interpleader; payment. General supervision and control over mortgage brokers and mortgage agents; regulations; investigations; examinations; periodic and special audits; hearings; related fees; classification of certain records and information as confidential.

Borrower Agreement

Age for workers over 40 Military service or affiliation Anticipated deployment with the Reserves of National Guard Bankruptcy Denial of family and medical care leave Genetic information Citizenship status for citizens, permanent residents, temporary residents Sexual orientation These are the grounds for a discrimination claim, but there are many more public policy violations that would make a termination wrongful. For example, an employee can’t be fired for serving on jury duty, or voting, or for trying to form a union, or for taking a leave under the Family Medical Leave Act FMLA , or for filing a workers compensation claim.

The list goes on and on. In that regard, be glad you live in California.

May 15,  · A promissory note is a written agreement to repay a debt. Sometimes referred to as a note, this document is legally enforceable. Taking the time to learn how to write a promissory note, or write an IOU, will help in your collection endeavors%(34).

As soon as possible the full book of over pp. The given chapter is of immense importance. It is here translated from a Russian edition as well as from the Spanish. It is a complete material on its own. The translator’s own book on “The Struggle for World Power” also deals with the whole problem of super-power and global enslavement through the masters of both usury-Capitalism and terroristic Communism, which are both the tools of the same forces and serving the same purpose.

Rakovsky, one of the founders of Soviet Bolshevism and also a victim of the show trials just before the last war under Stalin. This is a document of historical importance and nobody who wants to be well-informed should fail to read and recommend it. Not to know the thesis here described is to know and understand nothing concerning the chief events and prospects of our time.

Sample Contracts • Contract Templates • Business Contracts

Not Necessarily the Stuff of Scandal. Drafting and executing a document after an event occurs, but in a manner that accurately reflects the date on which the event transpired, is a permissible form of backdating. This is backdating that memorializes, something the United States Court of Appeals for the Seventh Circuit has recognized as a legitimate practice. For example, if parties clearly reach an agreement on Dec.

This is simply the accurate memorialization of a past event, something that is essential to legal practice. I recommend not backdating a contract.

A Promissory Note is also known as a loan agreement, IOU, personal note, or note payable. It is a document that: Describes a loan made from a lender to a borrower.

Who Gets a Free House? By Margaret Carswell November Wise King Solomon, of biblical fame, was called upon to act as judge and jury before two women who each claimed to be the biological mother of the same infant. He first sought to determine which of the women was the true mother but he could not. He finally decreed that the baby would be cut in half and shared between them.

Since , thousands of homes in Santa Barbara county, and millions of homes in California and throughout the country, have been taken by the big banks. Unlike Solomon, the courts have not sought to determine who is the true owner, mainly due to their concern that the homeowner not get a ‘free house’. The truth is, that as between the homeowner and the foreclosing bank, one will get a so-called free house. From the point of view of Public Policy and the best interests of our civil society, which should it be?

Enough evidence has come to light concerning big bank behavior to be able to allege that: In the early years since , the federal government actively promoted home ownership, encouraging banks to enter mortgage agreements with just about anyone. The banks and mortgage companies then hired people off the street to act as brokers and bring in customers. They abandoned customary loan application, appraisal and underwriting procedures and even added false information to these processes to make the customers look more financially desirable.

20 U.S. Code § 1092 – Institutional and financial assistance information for students

Meaning[ edit ] Being for the widow and being accorded by law, dower differs essentially from a conventional marriage portion such as the English dowry cf. The bride received a right to certain property from the bridegroom or his family. It was intended to ensure her livelihood in widowhood, and it was to be kept separate and in the wife’s possession. Dower was a property arrangement for marriage first used in early medieval German cultures, and the Catholic Church drove its adoption into other countries, in order to improve the wife’s security by this additional benefit.

If the date of the oral agreement was reached is somehow significant, then mention it in the recitals of the written contract. If having a contract accurately reflect how events transpired doesn’t work for you, you’ve got problems that will only be exacerbated if you try to engage in any sleight of hand over dating.

It is crucial for an unmarried couple or those in a common-law marriage to have a living together agreement or prenuptial agreement. Cohabitation happens when a man and woman live together and have a sexual relationship but are not married. It usually occurs when unmarried couples have been dating for some time, they decide on moving in together, and living together without being married.

A lot of times, young people take cohabitation as a good way to test their relationships before getting into a deeper commitment. Unmarried couples who choose to cohabit in preference to marrying are increasing day by day. For most of them, cohabitation seems simple, and they are not particularly aware of its legalities and potential hardships. Laws regarding cohabitation have undergone considerable changes in the past forty years. In some states, cohabitation may even be a criminal offense under adultery laws.

The primary difference between cohabitation and common-law marriage is that a cohabitant may be legally considered single, whereas a party to common-law marriage is considered married as in a ceremonial marriage. Cohabiting has its own merits and demerits. The parties agreeing to live together can specifically define their duties and rights in terms of their relationship. Cohabitants do not have to follow stringent legal procedures to separate themselves from the living arrangement.

On the other hand, unmarried couples in a living relationship do not enjoy the same rights as married couples with respect to any property acquired during their relationship.

I have a non-compete agreement and in that agreement there

The tenant may be making a concerted effort to break the lease by making complaints regarding the property condition, mold, a sexual predator moving nearby, disturbances from neighbors, safety fears, or anything else the tenant can come up with. The reasons may actually be legitimate, but often the tenant simply wants to move for an unrelated reason.

The landlord can take a hard line position and refuse to allow the tenant to break the lease and potentially face an even more concerted effort by the tenant, or worse yet, litigation may be threatened or instituted.

It’s not unusual for parties to a contract to want the written agreement to cover a period before it’s actually signed. There are any number of contexts where this comes up — some legitimate and others not exactly aboveboard — but the logistics of negotiating and signing contracts are .

This agreement contains key details about your loan, including the loan terms, conditions for funding, how to make your loan payments, what happens if you miss a loan payment, and other important information. You should read this agreement in its entirety. This Agreement governs the process by which you may make a request or requests for a loan from us through the website Lendingclub. If you make a loan request, and if that request results in a loan that is approved and issued by us, then your loan will be governed by the terms of the Loan Agreement and Promissory Note, which is attached to this Agreement as Exhibit A, and as it may be revised from time to time.

The version in effect when you make a loan request will apply to any loan made in response to that request, and any secondary loan would be governed by the terms of the document then in effect. This Agreement will remain in effect for the applicable loan, and will terminate if your loan request is cancelled, withdrawn, or declined. Under this Agreement, you can request an installment loan issued and originated by us that is facilitated through the Site.

When you make a request, you agree to receive and timely repay the loan that may be made in response to that request, subject to your right to cancel the request before closing as described in section 6 below. Your agreement means you agree to repay the money provided by us to you and to abide by the terms of this Agreement, the Loan Agreement and Promissory Note, and all other agreements or disclosures provided to you during the loan process and which may be found in your LendingClub account.

Any dispute with us, LendingClub or any subsequent holder of the Loan Agreement and Promissory Note will be resolved by binding arbitration, subject to your right to opt out as set forth below. Each loan request is subject to our credit criteria in effect at the time of your loan request.

Roommate (Room Rental) Agreement Template

No lawyer, business person or college professor knows all of the Uniform Commercial Code. In fact, Court opinions interpreting the UCC could fill rooms. Rather, this chapter will include a brief discussion of the UCC, generally speaking. We will then highlight parts of UCC Article 2 on the Sale of Goods that are likely to impact a supplier or purchaser of construction materials. These chapters will give you an idea of some of the issues covered by the UCC but should not be relied on to solve any particular problem.

As the name implies, the UCC is uniform, it concerns commercial transactions and it is a code.

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The information required to be disclosed under such subparagraph— A shall be made available by July 1 each year to enrolled students and prospective students prior to the students enrolling or entering into any financial obligation; and B shall cover the one- year period ending on August 31 of the preceding year. If such number is not sufficient for such purposes, then the institution shall note that the institution enrolled too few of such students to so disclose or report with confidence and confidentiality.

In developing such recommendations, the group of representatives shall consider the mission and role of two-year degree-granting institutions of higher education, and may recommend additional or alternative measures of student success for such institutions in light of the mission and role of such institutions. C Nothing in this subsection shall be construed to prohibit an institution of higher education from utilizing electronic means to provide personalized exit counseling.

The Secretary may, by regulation, waive the requirement that an employee or employees be available on a full-time basis for carrying out responsibilities required under this section whenever an institution in which the total enrollment, or the portion of the enrollment participating in programs under this subchapter at that institution, is too small to necessitate such employee or employees being available on a full-time basis.

No such waiver may include permission to exempt any such institution from designating a specific individual or a group of individuals to carry out the provisions of this section. In particular, such information shall include information to enable students and prospective students to assess the debt burden and monthly and total repayment obligations that will be incurred as a result of receiving loans of varying amounts under this subchapter.

Such information shall also include information on the various payment options available for student loans, including income-sensitive and income-based repayment plans for loans made, insured, or guaranteed under part B and income-contingent and income-based repayment plans for loans made under part D. In addition, such information shall include information to enable borrowers to assess the practical consequences of loan consolidation, including differences in deferment eligibility, interest rates, monthly payments, and finance charges, and samples of loan consolidation profiles to illustrate such consequences.

The Secretary shall also provide information on loan forbearance, including the increase in debt that results from capitalization of interest. Such information shall be provided by eligible institutions and eligible lenders at any time that information regarding loan availability is provided to any student. The Secretary shall only provide direct links to databases that can be accessed without charge and shall make reasonable efforts to verify that the databases included in a direct link are not providing fraudulent information.

The Secretary shall prominently display adjacent to any such direct link a disclaimer indicating that a direct link to a database does not constitute an endorsement or recommendation of the database, the provider of the database, or any services or products of such provider.

Promissory Term Note and Security Agreement