#5) The new rules ensure that consumers receive “good faith estimates” of the costs of a mortgage earlier in the application process and that the disclosures better explain the costs and terms of a loan. The disclosures will cover areas such as the potential for mortgage payments to increase, any penalty for paying off the…
Shopping for a mortgage takes time and effort. Choosing the wrong mortgage can be very costly. It could lead to the loss of your home if you can’t afford the payments. But new federal consumer protections will increase the likelihood of finding a fair mortgage that you can afford for many years. The new rules…
There are three key components for an organization to be exempt from federal income tax under section 501(c) (3) of the Internal Revenue Code. A not-for-profit (i.e., nonprofit) organization must be organized and operated exclusively for one or more exempt purposes. ORGANIZED – A 501(c) (3) organization must be organized as a corporation, trust, or…
The New York State Legislature created the Buffalo Housing Court in 1978 to address a crisis of deteriorating housing stock that continues today. The Housing Court has the duty to protect and promote the public interest. It fashions innovative remedies for the thousands of building code violation cases that it handles each year. The Buffalo…
Rochester and Monroe County, New York records can be obtained from the Monroe County Office of Vital records at 111 Westfall Rd., Rm. 147, P.O. Box 92832, Rochester, NY 14692 .Phone: 585 753-5141.Fax: 585 753-5961. Hours are 8:30 a.m. – 4:30 p.m. (Monday through Friday) Birth Certificate: You may obtain your own record. However, only…
A not-for-profit corporation is a corporation formed pursuant to the New York Not-for-Profit Corporation Law. The Certificate of Incorporation of a New York not-for-profit corporation must set forth the specific purposes for which the corporation is being formed and the corporation may not be formed for financial gain. There are four types of not-for-profit corporations: Type…
The LegalSurvival.com website now has links to these twenty-five free Rochester, NY and Monroe County real estate forms: Purchase and Sale Contract For Residential Properties Purchase and Sale Contract For Condo Properties – HOA Purchase and Sale Contract For Manufactured Housing Without Land Purchase or Sale Contract For Lots, Vacant Land and Farms Residential Construction…
In response to the murder of three minors, the City Council of Rochester, New York passed a curfew ordinance. The New York Court of Appeals ruled that the juvenile nighttime curfew violated the Federal and New York State Constitutional rights of minors, as well as their parents. Under the curfew, it is unlawful for minors…
At defendant’s state court drug trial, the prosecution introduced certificates of state laboratory analysts stating that the cocaine seized by police and connected to him was of a certain quantity. As required by Massachusetts law, the certificates were sworn to before a notary public and submitted as prima facie evidence of what they asserted. Defendant…
New York State criminal records of arrests not leading to conviction may be sealed (including expunged, erased, or purged). The individual can deny the existence of the arrest, unless he or she is applying for a law enforcement job. Criminal conviction records can be sealed (including expunged, erased, or purged).In 2009, a law was passed…
