THE DEBT KNOWLEDGE CENTER
Debt answers you can actually use.
Start with a question. Learn what the words mean, what to check and which next steps may fit.
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Debt & money basics
Debt terms: what your account status actually means
Decode the words on a statement, collection letter, or resolution agreement before deciding what changed.
Explore this question →What kind of debt is this? Build a complete description
Classify one obligation along several independent dimensions instead of forcing it into a single debt category.
Explore this question →Who is responsible for this debt?
Trace responsibility from the people and signatures to the documents that create—or limit—the obligation.
Explore this question →Where your loan payment goes: interest, fees, and principal
Follow a payment through interest, fees, and principal to understand why the balance changes.
Explore this question →Find the loan terms that control payment, default, and exit
Read the agreement by the decisions it controls: payment, default, changes, collateral, and exit.
Explore this question →Follow a debt from borrowing to the final paperwork
Use a lifecycle map to see which changes affect payment handling, ownership, enforcement, or the final paperwork.
Explore this question →How much can you realistically pay toward debt?
Build a cash picture that separates what you owe from what you can reliably pay.
Explore this question →Which debt deadline needs your attention first?
Sort deadlines by the consequence and the action required—not by who calls most often.
Explore this question →Types of debt
Read your credit card statement before choosing a payment
Decode a card statement by balance type, payment destination, and promotional deadline.
Explore this question →A bank balance you cannot pay: identify the loan or overdraft
Separate an installment loan, credit line, and negative deposit account before treating them as the same bank debt.
Explore this question →Map a payday or title loan cycle before the next payment
Break the repeated-borrowing cycle into its next due date, withdrawal authority, fees, and collateral risk.
Explore this question →Trace a financed purchase from checkout to refund
Treat the purchase, financing, promotion, and refund as connected records with different obligations.
Explore this question →Your home loan changed: identify the issue and review relief
Choose the right mortgage branch before discussing a payment change or putting home equity behind another debt.
Explore this question →Check a housing balance while protecting your right to stay
Check the amount demanded, identify any action affecting your housing, and trace what remains after move-out.
Explore this question →What will you owe after selling or returning a financed vehicle?
Compare keeping, selling, returning, or losing the asset by the balance that could remain afterward.
Explore this question →Check a medical bill before agreeing to pay
Check the service, insurance decision, assistance policy, and collection record before converting a medical bill into another loan.
Explore this question →Federal student loans in 2026: find your current repayment route
Identify your federal loan family, disbursement dates, and present status before choosing a repayment or default-resolution route.
Explore this question →Private student loan or school bill? Find the right path
Identify whether the demand is a private loan, school account, or another education obligation before borrowing or requesting relief.
Explore this question →A tax notice arrived: choose the response that fits
Identify the tax, period, and notice before choosing between disputing the amount, arranging payment, or requesting hardship relief.
Explore this question →Keep essential service while checking a utility or phone bill
Keep essential service running while you check the bill, assistance route, and exact shutoff conditions.
Explore this question →Challenge a service bill with a clear record of what happened
Use a contract-and-proof file to challenge an everyday bill, especially when cancellation or added work is disputed.
Explore this question →Your employer wants repayment: check the demand and your wages
Separate a genuine advance from a disputed business expense, clawback, or training charge before agreeing to payroll deductions.
Explore this question →Family loans and support: who can change the obligation?
Keep informal loans, support orders, and divorce allocations in separate files because a private agreement may not change a court obligation.
Explore this question →Benefit overpayment: appeal, waiver, or a payment change?
Choose between challenging the overpayment, requesting waiver, and arranging repayment; each answers a different question.
Explore this question →Court fines and fees: prepare for the right payment review
Identify the issuing court or agency and the type of charge before requesting a payment change or ability-to-pay review.
Explore this question →A civil or insurance demand: identify the claim and legal stage
Distinguish an alleged loss, insurance recovery demand, settlement promise, and entered judgment before deciding what to pay.
Explore this question →Review a business loan before requesting new terms
Map the business borrower, collateral, guarantees, and cash commitments before refinancing or requesting a workout.
Explore this question →Decode an MCA or revenue-based funding offer
Translate the funding offer into cash received, cash remitted, reconciliation rights, and personal exposure.
Explore this question →Build a workable plan for business bills and disputed invoices
Organize operating debts by what they fund, what is disputed, and what stopping payment would disrupt.
Explore this question →Specialized borrowing: find the trigger, collateral, and right help
Route specialized borrowing by the asset, revenue, or event that funds repayment.
Explore this question →Is it a debt today? Sort future exposure, tax events, and old claims
Ask what has actually been borrowed, triggered, distributed, released, or alleged before putting it into a repayment plan.
Explore this question →Ways to resolve debt
Choose a debt repayment order that fits your cash flow
Choose a repayment order only after necessities, urgent consequences, and required payments fit the cash calendar.
Explore this question →Ask your creditor for hardship relief you can sustain
Prepare a hardship request around the amount you can sustain and the terms that matter after relief ends.
Explore this question →How a debt management plan handles your payments
Follow the payment from your bank to each creditor before enrolling in a debt management plan.
Explore this question →Will a consolidation offer actually cost less?
Compare the cost of replacing debts, including the rate after any promotion ends.
Explore this question →Before using an asset to pay a debt
A settlement funded from an asset can create a different, more expensive problem.
Explore this question →Find assistance that fits the bill
Look for a program that fits the bill before treating every balance as a settlement negotiation.
Explore this question →What Chapter 7 and Chapter 13 would change
Use the chapter comparison to prepare a legal consultation about debts, property and a feasible exit.
Explore this question →Can the business recover, or does it need an orderly exit?
Separate a viable business with a cash timing problem from a business that needs an orderly exit.
Explore this question →When nothing is left after essential bills
When there is no money left after essentials, build a plan that starts with that fact.
Explore this question →Settlement in detail
Is settlement a workable option for this debt?
Settlement can reduce an agreed balance when there is a workable way to fund and complete the agreement.
Explore this question →Choose the help you need for a debt negotiation
Choose help by the work it takes responsibility for, especially if a court case is involved.
Explore this question →Get your account file ready for settlement
Build a compact account file that can support a credible offer and expose a wrong demand.
Explore this question →Who can approve your settlement offer?
Find out who can approve the offer and what that person’s policy actually covers.
Explore this question →Make an offer you can follow through on
Make an offer you can perform, then keep the offer, counteroffer and agreement distinct.
Explore this question →Pay once or settle in installments?
Compare the payment schedule and the consequences of a missed payment before choosing the lower number.
Explore this question →What will settlement really cost?
Reconcile the whole program before calling a reduced creditor balance “savings.”
Explore this question →Follow the money in a settlement funding account
Know which dollars are still yours, which are committed and which have actually reached a creditor.
Explore this question →Read a settlement agreement before you pay
Read the agreement for the result it creates after payment, not just the discount it displays.
Explore this question →Keep the court case on track while you negotiate
Run the court case and the settlement on parallel tracks until the court record confirms the result.
Explore this question →Keep proof that your settlement is complete
Close the account with a small evidence bundle that can answer a future collector, reporting error or tax question.
Explore this question →What to do when a settlement plan breaks down
Recover the facts, protect accepted agreements and reconcile your money before moving to another provider.
Explore this question →What does that settlement success rate measure?
Before trusting a success claim, ask who was counted, what “finished” means and what costs were left out.
Explore this question →Collections & legal rights
Who owns the debt, and who is collecting it?
A new collector may be a new agent, a new owner or a law firm representing someone else.
Explore this question →Choose the right response to a collection notice
Use the notice to choose the right response: debt verification, a credit-report dispute or a court filing.
Explore this question →Take control of collection calls and messages
Set clear contact preferences and preserve the pattern if collection communications become abusive.
Explore this question →Which clock applies to an old debt?
An old account can involve several clocks, each with a different starting event and consequence.
Explore this question →You received a debt lawsuit. What happens next?
Read the papers, identify the court and preserve the right to be heard before discussing payment.
Explore this question →Build the evidence for your debt defense
Build the case around the proposition each record can prove or disprove.
Explore this question →Mediation, arbitration or court: which process applies?
Identify who decides the outcome, which rules apply and what happens if agreement is not reached.
Explore this question →You found a default judgment. Start with the court file.
Find the judgment, identify the route to challenge or resolve it and check whether enforcement needs separate action.
Explore this question →Is it a garnishment, a bank levy or a setoff?
Identify how the money is being taken before choosing the objection or exemption route.
Explore this question →When a debt puts property at risk
Separate the claim against property from the debt balance, then identify the next sale or cure event.
Explore this question →Show why your income or property may be protected
A protection can depend on the source of funds, the creditor and the procedure used to claim it.
Explore this question →Find the federal rule that fits the problem
Use the law that matches the problem, actor and transaction instead of treating “consumer protection” as one procedure.
Explore this question →Which place’s debt rules apply—and who can help?
Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.
Explore this question →A 1099-C arrived: work out the tax question
A settlement agreement closes one question. Your tax return opens another. Read the cancellation documents before estimating the tax.
Explore this question →Read your credit report before chasing the score
Separate the account record, the score calculated from it, and the lender’s decision. They answer different questions.
Explore this question →Dispute a credit-report error
Build one clear correction request, track the response, and escalate the unresolved error with evidence.
Explore this question →Where to take a debt complaint
Choose the route that can address the problem, and send a record another person can understand.
Explore this question →Life events & special situations
Who owes after marriage, divorce or death?
A family event changes roles. It does not answer who signed, what property secures the debt, or which estate must respond.
Explore this question →What are you agreeing to when you enroll?
An enrollment signature, bank debit, marketing permission and power to negotiate are separate grants of authority. Read each one.
Explore this question →Keep bills moving when income stops or varies
Replace the old monthly budget with a dated cash calendar while income is uncertain.
Explore this question →Handle the bills during illness or a disaster
Handle care, income interruption and disrupted paperwork on separate tracks. Assistance applications do not automatically pause bills.
Explore this question →Manage debt on a fixed or benefit income
Identify the source of income, any collection notice and the authority of the person helping. Each affects the next step.
Explore this question →Find the debt protections that fit your military service
Start with service status and the date the obligation began. SCRA, MLA and VA benefit questions follow different rules.
Explore this question →Share household costs without confusing who owes
Before a household shares a payment, make sure it understands whether it is also sharing legal responsibility.
Explore this question →Find debt help you can actually access
Choose a route you can actually use: the right language, accessible format, practical contact method and relevant jurisdiction.
Explore this question →When debt involves coercion, fraud or harmful spending
First make the record safe. Then separate unauthorized debt, coerced agreements and obligations you knowingly incurred.
Explore this question →Make the next debt task easier to finish
A debt plan has to survive ordinary fatigue, difficult conversations and a bad week. Make the next action small enough to repeat.
Explore this question →Providers, evidence & the economy
Check a debt-help provider’s evidence
Compare the evidence behind a provider’s offer before comparing its headline savings claim.
Explore this question →Who gets paid when you choose debt help?
Follow who pays whom. Then ask whether the recommendation would change if the payment changed.
Explore this question →What should happen behind a debt-service dashboard?
A polished dashboard is useful only if the service behind it can verify debts, protect records, track money and handle failure.
Explore this question →What debt policy tries to protect
Debt policy balances access to credit, fair treatment, contract enforcement and a workable route out of distress. Those goals can pull in different directions.
Explore this question →What does a debt-relief success rate really count?
A success rate is incomplete until you know who entered the count, who disappeared and what “success” means.
Explore this question →Read debt headlines without losing the denominator
Read debt statistics with a date, a unit and a denominator. A national trend does not diagnose a household.
Explore this question →Decision tools & practical resources
Start with the notice in front of you
Choose your path from the document or event in front of you. A court paper and a collection letter need different responses.
Explore this question →Check what a debt calculator assumes
Use a calculator to compare assumptions, then check the agreement that will actually govern the payments.
Explore this question →Choose the right letter—or the right court form
Use the right kind of document, include the facts that matter and preserve proof of delivery. Court forms require their own route.
Explore this question →Find the right kind of debt help
Begin with the problem you need solved. Then verify the organization, its role and whether it can take your case.
Explore this question →Verify who is asking you to pay
Authenticate the company, its role and its authority over this account before relying on a profile or paying a demand.
Explore this question →Build a stable plan after debt resolution
Resolution should leave a clean record of what ended, a clear list of what remains and a budget that can absorb ordinary life.
Explore this question →How to judge a debt article’s evidence
A trustworthy debt article shows what supports the claim, where it applies and what is still uncertain.
Explore this question →Business, markets & international debt
How a company’s debt is organized
A company can owe many creditors at once. The capital structure explains who has which claim and why recovery can differ.
Explore this question →Follow the promises behind financial-market debt
One institution’s asset is another party’s obligation. Follow the contract and cash flow before deciding what kind of risk you hold.
Explore this question →How governments borrow and restructure
A national treasury, a city and a public authority can all borrow, but their powers, revenues and restructuring routes differ.
Explore this question →Find a debt-help route outside the United States
Start with the country and, where necessary, the province or legal system. Familiar debt words can describe different procedures.
Explore this question →When debt crosses a border
Moving changes your address. Whether a debt, judgment or insolvency result travels depends on several legal connections.
Explore this question →Read the contract behind Islamic financing
Start with the contract: sale, lease, shared ownership or investment. The label “Islamic” does not by itself explain what is owed.
Explore this question →Understand the debt behind a new financial app
A new interface can hide a familiar borrowing promise—or create a different risk. Identify the obligation, the collateral and the decision maker.
Explore this question →Search the complete research libraryOriginal working documents, complete tables and revision history
The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.
The detail is here.
Read the saved investigations, inspect every table and follow the source trail. Filter by subject, place or the question you are trying to answer.
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Settlement Fundamentals, Suitability, and Costs
Inside: A041 — Settlement fundamentals and suitability · A042 — DIY settlement and hired help · A047 — Settlement fees and actual financial results
Correction Supplement: Settlement Fundamentals, Suitability, and Costs
Inside: Correction disposition and integration instructions · Replacement findings and wording · Replacement for D001-C009 — validation disputes, original-creditor requests, and time-barred debt
Research Report: Medical, Dental, and Long-Term Care Debt
Inside: Executive findings and controlling status · A016 — Medical, dental and long-term care debt · Hospitals, clinicians, emergency services and debt validity
Medical, dental and long-term care debt: source and provenance correction
Inside: 1. Evidence and provenance controls · 2.1 Sources opened and read · 2.2 Remaining missing-URL source records
Medical-debt credit-reporting status and source limits
Inside: 1. Findings · CREDIT-01 — The CFPB's 2025 Medical Debt Rule was vacated · CREDIT-02 — Qualifying veteran medical debt receives specific statutory protection
Medical and care debt: repaired worked examples
Inside: 1. Source and evidence-reuse register · 2. Complete repaired worked examples · Example 1 — Hospital charity-care ceiling
Medical insurance denials and appeal-process distinctions
Inside: 1. Principal findings · Finding INS-02 — MHPAEA remains operative federal law · Finding INS-03 — The 2024 MHPAEA rule and the 2025 non-enforcement announcement are different legal events
Medical and care debt: federal program-rule source supplement
Inside: 1. Controlling federal statute · Who is responsible for payment? · Appeal sequence
Care-debt program-rule exception and notice-precision supplement
Inside: 1. Findings · PR9-01 — The 72-hour emergency rule has a statutory exception · PR9-02 — The elderly age threshold is not fully reconciled
Medical and care debt: validation source and wording supplement
Inside: 2. Replacement material claim record · Publication-ready replacement wording · What happens when you dispute a debt during the validation period?
Medical and care debt: validation sentence and example corrections
Inside: 1. Exact sentence replacements · Affected example wording · 2. Complete corrected claim record
Tax Debt Resolution and Cancellation Taxation
Inside: A019 — Tax debt resolution · Federal assessment, liens, levies, and collection sequence · Installment agreements and ordinary payment alternatives
Focused evidence correction and publication-control supplement
Inside: Focused evidence correction and publication-control supplement · Evidence and ID controls · 1. Replacement finding — C008 / S019: IRS Simple Payment Plans
FORMULA-02 — Original worked-example repairs
Inside: 1. Repaired original formulas · E01 — Insolvency exclusion with partially taxable COD · E02 — Why insufficient cash does not establish insolvency
LOCAL-03 — California and Orange Local-Source Recovery
Inside: 1. California FTB — D014-S030 · 2. California EDD — D014-S033 · 3. Orange County Treasurer–Tax Collector — D014-S034
MAPPING-04 — FORMULA-02 Metadata and Provenance Amendment
Inside: 1. Corrected count sentence · 2. Source/status replacement rows · 3. Original claim/example mapping
Tax-debt research: federal primary-source recovery
Inside: Coordinator-verified evidence reuse — no new-opening claim · 2. Material claim and mapping replacements · Penalty concurrency — corrected illustrative calculation
Collection Ownership, Validation, and Disputes Research Report
Inside: Research posture and controlling framework · A054 — Collection industry and ownership · A055 — Debt validation and disputes
Targeted Correction Supplement — Collection Ownership and Validation
Inside: Correction disposition and replacement text · Replacement wording for S019-dependent passages · S019 dependency audit
Judgments, Enforcement, Liens, and Exemptions Research Report
Inside: Research frame and principal conclusions · Default judgments and duration — area A · Garnishment, levies, and setoff — area A
Research Report — State Debt Laws, Northeast
Inside: Federal and jurisdictional boundaries that apply across the state analysis · Official-source matrix and state-by-state findings · State-specific operative notes
Debt Terminology and Definitions
Inside: Detailed findings by assigned term and debt lifecycle · Procedures, rights, costs, credit, tax, collateral, and settlement suitability · Worked examples and outcome comparisons
California judgment satisfaction, acknowledgment and lien-release correction
Inside: A001: California Judgment Satisfaction, Acknowledgment Deadlines, and Lien Release · 1. Correction determination · 3. Replacement findings
Debt terminology research: source-ID reconciliation and dependent-text correction
Inside: Source-ID reconciliation and dependent-text replacements · 1. Complete source-alias mapping · 2. Controlling-authority reference index
First focused A002 component: purpose, security, parties, and obligation status
Inside: First focused A002 component: purpose, security, parties, and obligation status · 1. Substantive findings and atomic claim table · 1A. What “credit,” “debt,” “claim,” and “payment obligation” mean here
Bounded correction supplement: P01 C039 and linked H06
Inside: Bounded correction supplement: P01 C039 and linked H06 · 1. Fresh source table · 2. Complete replacement for R002-P1-C039
A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes
Inside: A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes · 1. The controlling distinction · 2. Currentness and authority controls
US consumer closed-end simple interest, amortization, and APR comparison
Inside: US consumer closed-end simple interest, amortization, and APR comparison · Principal findings · 1. The quantities that must remain distinct
Appendix J legal-method investigation
Inside: 1. What was recovered—and what remains missing · 2. Recovered symbols and equations · 2.1 Transcription status and notation
Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons
Inside: Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons · Foundation and result status · 1. Source table
First focused A005 component: federal credit-card changes, notice, rejection, and existing balances
Inside: First focused A005 component: federal credit-card changes, notice, rejection, and existing balances · Check date, method, and limits · 1A. Operative and explanatory sources
Federal mortgage servicing-transfer and ownership-transfer notices, payment-transition protections, and their limits
Inside: Federal mortgage servicing-transfer and ownership-transfer notices, payment-transition protections, and their limits · Check date, method, and limits · 1. Comparison matrix
Federal mortgage escrow disbursement and post-payoff return or credit
Inside: Federal mortgage escrow disbursement and post-payoff return or credit · 1. Research status, date, and foundation boundaries · Version conclusions
Measuring a Debt Situation
Inside: Detailed findings: inventory and legal classification · The minimum debt record · Balance sheet, liability, security, priority, and collectibility
First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing
Inside: First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing · Research boundary and actual check date · Reading and version conventions
Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds
Inside: Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds · Material source-status qualification · A. Substantive sources and version metadata
First focused A010 component: U.S. federal overdraft opt-in and the limits of 12 CFR 1005.17
Inside: First focused A010 component: U.S. federal overdraft opt-in and the limits of 12 CFR 1005.17 · 1. Substantive findings · 1.1 The operative prohibition concerns fees for particular paid overdrafts
First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041
Inside: First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041 · Research boundary and reading conventions · 1.1 R011-P1-S001 — Current Part 1041 text and official interpretations
Federal FTC Holder Rule: retail consumer credit contracts and purchase-money loans
Inside: Federal FTC Holder Rule: retail consumer credit contracts and purchase-money loans · 1. Research boundary, dates, and authority status · Reading the registers
Bounded source, pinpoint, and attribution correction
Inside: What survives, and what does not · 3. Issue → original passage → bounded replacement or effect · 4. Focused qualitative failure branches
First focused A013 component: federal HELOC draw restrictions, termination, and acceleration
Inside: First focused A013 component: federal HELOC draw restrictions, termination, and acceleration · 1. The distinctions that control this component · Currentness and status conventions
Federal tenant protections at foreclosure: findings and limits
Inside: Federal tenant protections at foreclosure: findings and limits · Principal conclusions · 1. Enactment, restoration, and currentness
Federal consumer vehicle-lease early termination and default charges
Inside: Focused finding and research boundary · 1. Version, effectiveness, and currentness findings · 2. Source table
Bounded rent-charge unit and comment-pinpoint correction
Inside: Bounded rent-charge unit and comment-pinpoint correction · 1. Source table and precise read boundaries · 2. Corrected atomic-claim table
First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation
Inside: First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation · Reading and status conventions · 1. Provision-specific stage comparison
A020 focused component: federal telephone-bill truth-in-billing requirements and the limits of payment, disconnection, and dispute inferences
Inside: A020 focused component: federal telephone-bill truth-in-billing requirements and the limits of payment, disconnection, and dispute inferences · 1. Source table · Reading and citation conventions
Federal FLSA wage floors, free-and-clear payment, and employer deduction or repayment claims
Inside: Federal FLSA wage floors, free-and-clear payment, and employer deduction or repayment claims · 1. Currentness, authority, and reading limits · Statutory sources
Bounded completion of the specified DOL guidance bodies and publisher-status checks
Inside: Bounded completion of the specified DOL guidance bodies and publisher-status checks · Enclosure identification · 2. Atomic findings and bounded replacements
U.S. federal Title IV-D child-support arrears, review and adjustment, and nonretroactivity
Inside: U.S. federal Title IV-D child-support arrears, review and adjustment, and nonretroactivity · 1. Substantive findings and atomic claim table · 1A. Program role, applicability, definitions, and classification
Title XVI SSI overpayment notice, reconsideration, waiver, and benefit adjustment
Inside: Title XVI SSI overpayment notice, reconsideration, waiver, and benefit adjustment · 1.1 Program, overpayment, notice, and responsibility · 1.2 Reconsideration, notice receipt, conferences, and review stages
Federal criminal fines: payment, modification, delinquency, default, and the boundary with enforcement against property
Inside: Federal criminal fines: payment, modification, delinquency, default, and the boundary with enforcement against property · 1.2 A shared provision does not make the charge categories interchangeable · 2. Atomic substantive claim table
Federal district-court civil money judgments: postjudgment interest, stays, execution, liens, and registration
Inside: Federal district-court civil money judgments: postjudgment interest, stays, execution, liens, and registration · Research and provenance boundaries · 1. Currentness and legal-status findings
Federal ECOA/Regulation B business-credit application and notification framework
Inside: Federal ECOA/Regulation B business-credit application and notification framework · Reading this dossier · 1.1 Currentness findings and limits
New York’s published commercial-financing disclosure framework for sales-based financing
Inside: New York’s published commercial-financing disclosure framework for sales-based financing · How to read the register · A. New York Financial Services Law: current official statutory body
California goods-sale tender, rejection, acceptance, revocation, and payment boundaries
Inside: California goods-sale tender, rejection, acceptance, revocation, and payment boundaries · 1. Currentness, authority, and reading conventions · 1.1 What the source statuses mean
Federal Regulation U: purpose credit secured by margin stock
Inside: Federal Regulation U: purpose credit secured by margin stock · 2.1 Statutory authority and basic classifications · 3.1 Plain-text mechanism, without invented transaction inputs
Federal retirement-plan participant loans, deemed distributions and plan-loan offsets
Inside: Identifier convention · 2. Provision-specific comparison · 3. Atomic claim table: substantive findings
Focused component: public federal instructions for prioritizing payments outside a formal program
Inside: Focused component: public federal instructions for prioritizing payments outside a formal program · 1. Evidence conventions · 2.1 Current toolkit family and its individual tools
Bounded plain-text mathematical addendum to section 6
Inside: Bounded plain-text mathematical addendum to PASS-01, section 6 · 1. Supplied-context source/read register · 2. Complete assumptions retained
Federal retail-credit workout and account-management policy
Inside: R033-P1-S001 — FFIEC, Uniform Retail Credit Classification and Account Management Policy · R033-P1-S002 — Federal Reserve, SR 00-8, Revised Uniform Retail Credit Classification and Account Management Policy · R033-P1-S003 — OCC Bulletin 2000-20, Uniform Retail Credit Classification and Account Management Policy: Policy Implementation
Federal tax-exemption conditions for credit-counseling organizations under IRC §501(q)
Inside: Federal tax-exemption conditions for credit-counseling organizations under IRC §501(q) · 1. Currentness, authority, and boundaries · 1.1 Statutory and regulatory versions actually reached
Federal closed-end consumer refinancing classification under 12 CFR 1026.20(a)
Inside: Federal closed-end consumer refinancing classification under 12 CFR 1026.20(a) · Register conventions · Common metadata
Federal life-insurance borrowing and modified-endowment tax treatment
Inside: Source table · A. Contract qualification and distinct measurements · B. Modified endowment contract: definition, testing, changes, aggregation, and transitions
LIHEAP federal program-law findings and evidence
Inside: 1. Substantive findings and atomic claim table · 1.1 Governing instruments, funding and legal status · 1.2 Definitions, income limits, categorical routes and targeting
Consumer Bankruptcy Research Report
Inside: Federal eligibility, means testing, exemptions, stay, and trustees · Chapter procedures, claims, plans, discharge, costs, and failure modes · State, tribal, program, and contract boundaries
Consumer bankruptcy: targeted evidence supplement
Inside: 1. Confirmed findings and evidence status · 2.1 S031 and S033 — precise unresolved identities · 3. Supplemental authority register
CORRECTION-02 — Consumer Bankruptcy (A038)
Inside: 2. Corrected findings · 2.1 Federal QPRI exclusion — corrected narrative · 2.2 Chapter 13 first-payment deadline — corrected R038-C043
CORRECTION-03 — Metadata, Source Identity & Claim Mapping
Inside: 1. Full ID-alias and source-reference table · 2. Corrected claim/source mapping table · 3. Narrow textual corrections
Federal Chapter 11 small-business-debtor and Subchapter V eligibility, election and threshold transitions
Inside: Federal Chapter 11 small-business-debtor and Subchapter V eligibility, election and threshold transitions · 1. Atomic claim table: substantive findings · 1.1 Controlling classifications and basic definitions
Federal nontax claims: inability to pay, compromise, installments, suspension, termination, and discharge
Inside: Federal nontax claims: inability to pay, compromise, installments, suspension, termination, and discharge · Source table R040-P1-S001–S024 · B. Monetary authority, transfers, referral, and decision-maker
Bounded correction to P1-C087
Inside: 1. Source and read register · 2. Explicitly superseding replacement claim · Express qualifications retained in that replacement
California accord, satisfaction, and release
Inside: 1. Result, source status, and limits · Reading conventions · 2.1 Official originals, historical enactments, and official explanatory sources
California settlement judgment entry, retained jurisdiction, and settlement/dismissal administration
Inside: Reading and status conventions · 1. Substantive findings · 1.1 The version issue changes the analysis
Public federal district-court ADR statutory framework
Inside: 1. Register conventions and source status · 1.1 Official Code bodies · 1.2 Enactments and historical instruments
FTC financial-privacy rule: selected scope, relationship categories, and definitions
Inside: Reading and status conventions · 2.1 Organization, jurisdiction, and incorporated statutory boundaries · 2.2 Financial activity, degree of engagement, and product/service categories
Federal WARN: public statutory and regulatory findings, evidence registers, and blank worksheet
Inside: Federal WARN: public statutory and regulatory findings, evidence registers, and blank worksheet · Register conventions · A. Organization, source status, employer and worker categories
Federal FMLA coverage, definitions, and leave-entitlement framework
Inside: 1A. Current selected bodies and indispensable incorporated provisions · 1B. Enacted and amendatory instruments actually examined · 1C. Official interpretation and inaccessible guidance
Federal Title II representative-payee coverage, capability, selection, designation, and notice/review
Inside: Register conventions · 1.1 Current statutory and regulatory bodies · 1.2 Official generic instructions and ruling
Federal veterans-benefit apportionment framework
Inside: Access and evidentiary conventions · 2.1 Current statutory, regulatory, and interpretive sources · 2.2 Published amendment, historical, and failed-source readings
Federal Title IV nonattendance and withdrawal-return framework
Inside: Research status and controlling distinctions · Register conventions · Current statutory and regulatory bodies
Federal ADA Title II effective-communication framework
Inside: Federal ADA Title II effective-communication framework · Reference convention · B. Communication duties, aids, assistance, and exceptions
Federal Adult Protective Services regulatory framework
Inside: Federal Adult Protective Services regulatory framework · 1.1 Reading and status conventions · Regulatory bodies: one instrument, section-specific entries
Federal financial-literacy and education statutory framework
Inside: Federal financial-literacy and education statutory framework · Reading conventions · A. Selected current statutory bodies
Federal impersonation and false-affiliation framework: 16 CFR Part 461
Inside: Federal impersonation and false-affiliation framework: 16 CFR Part 461 · A. Organization, version and publication status · B. Defined categories, incorporations and jurisdiction boundaries
Federal Guides Against Bait Advertising
Inside: Access and evidentiary boundaries · 2. Complete Part 238 inventory and terminology · 2.1 Actual organization
Federal disposal of consumer report information: 16 CFR Part 682
Inside: Federal disposal of consumer report information: 16 CFR Part 682 · A. Current organization and incorporated definitions · B. Consumer information, disposal and the operative standard
Federal equal-contract rights under 42 U.S.C. § 1981 and selected enactment history
Inside: Federal equal-contract rights under 42 U.S.C. § 1981 and selected enactment history · Reading conventions · 2.1 Current § 1981: organization, rights, definition, and actor language
OMB Standards and Guidelines for Statistical Surveys: findings and evidence
Inside: OMB Standards and Guidelines for Statistical Surveys: findings and evidence · Register conventions · A. Substantive authorities and official publication records
Federal economic-indicator compilation, release and evaluation policy
Inside: Research boundaries · Reading and status conventions · Table 1A. Directive and revision publications
Federal Rule of Civil Procedure 4, Summons
Inside: Complete Rule 4 inventory · A. Authority, applicability, and amendment status · B. Summons, issuance, responsibility, and waiver
Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures
Inside: Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures · 3A. Source status, authority, definitions, and disclosure applicability · 3B. Complete M1 calculation instructions
Official Form 410, its official instructions, and Federal Rule of Bankruptcy Procedure 3001
Inside: Official Form 410, its official instructions, and Federal Rule of Bankruptcy Procedure 3001 · 1.1 Core form, instructions, rules, and adoption instruments · 1.2 Narrow statutory and adjustment authorities
Federal housing-counseling program approval and reapproval: bounded public-law investigation
Inside: Federal housing-counseling program approval and reapproval: bounded public-law investigation · Reading conventions · 1. Actual organization and selected reading boundary
Bounded authentication supplement: 12 U.S.C. § 1701x-1, home-inspection counseling
Inside: Bounded authentication supplement: 12 U.S.C. § 1701x-1, home-inspection counseling · Reading conventions · 2.1 Source identity and comparison limits
Section-specific commencement of P.L. 111-203 § 1451 / 12 U.S.C. § 1701x-1
Inside: Section-specific commencement of P.L. 111-203 § 1451 / 12 U.S.C. § 1701x-1 · Reading conventions · 2. What the commencement framework establishes
Federal larger-participant consumer-debt-collection supervision criteria
Inside: Federal larger-participant consumer-debt-collection supervision criteria · Reading conventions · A. Current regulatory and statutory bodies
Bounded source-authentication supplement
Inside: 3. Exact operation and version comparison · 3.1 Four operations in the original correction · 3.2 Original → corrected → subsequent adopted text → current compilation
Literal statutory reference in 12 CFR 1070.2(i)(4)
Inside: A. Current definition and indispensable context · B. Adoption, explanation, statutes and limits · 3. Version and instruction comparison
Bankruptcy-related discriminatory treatment: 11 U.S.C. § 525
Inside: Bankruptcy-related discriminatory treatment: 11 U.S.C. § 525 · Reading key · 2. Complete statutory comparison
Bounded source-authentication and transition supplement
Inside: Bounded source-authentication and transition supplement · What the source distinction resolves · 2.1 Source status and the described 1984 addition
Federal Information-Quality Guidelines
Inside: A. Instrument, authority, actors, and dissemination · B. Quality, objectivity, transparency, reproducibility, and review · C. Correction, reconsideration, timing, reporting, and implementation
Bulletin timing correction and source reconciliation
Inside: 2. Substantive reconciliation · 2.1 What the sources establish · 2.2 Side-by-side timing and category comparison
Federal bankruptcy subordination: current statutory text, incorporated boundaries, and selected enactment history
Inside: Federal bankruptcy subordination: current statutory text, incorporated boundaries, and selected enactment history · 1. Substantive findings · 1.1 Agreement recognition is conditional
The § 103(e)/(f) redesignation and retained references in §§ 901(b) and 902
Inside: The § 103(e)/(f) redesignation and retained references in §§ 901(b) and 902 · Source-status limit · 2. Substantive findings
Federal financial-asset transfer, securitization, and participation framework
Inside: 1. Actual organization of § 360.6 · 2.1 Current regulation and adopted regulatory history · 2.2 Statutory authority and bounded incorporations
A096 — Selected federal borrowing authority under 31 U.S.C. § 3102
Inside: A096 — Selected federal borrowing authority under 31 U.S.C. § 3102 · 2.1 Complete § 3102 body · 2.2 Indispensable incorporations and their limits
UN General Assembly resolution 70/186 and the United Nations guidelines for consumer protection
Inside: UN General Assembly resolution 70/186 and the United Nations guidelines for consumer protection · R097-P1-S001 onward · 2. Actual organization of the adopted instrument
Foreign-creditor access and notice under 11 U.S.C. §§ 1513–1514
Inside: Foreign-creditor access and notice under 11 U.S.C. §§ 1513–1514 · Reading and status conventions · Table 1A — Current statutory bodies and indispensable context
Finance Act 2005, sections 46–49
Inside: 1.1 Read sources · 1.2 Incorporated sources whose complete necessary bodies were not obtained · 2. Authenticated organization and version changes
Colorado Part 17: current statutory text, adopted replacement, and application boundaries
Inside: Colorado Part 17: current statutory text, adopted replacement, and application boundaries · Reading conventions · 1.1 Core compilation and adopted instruments
Alabama provider market access and consumer fees
Inside: Alabama provider market access and consumer fees · 1. Definitions and classification depend on the actual conduct · Alabama’s two principal classification systems
SAL Official UPL codification and the debtor-side settlement boundary
Inside: A. Substantive findings · 1. Official §34-3-6 and the amendment-history reconciliation · 2. Porter, privity, and the actual negotiation boundary
Alabama collection licensing and coverage
Inside: 1. Alabama collection categories and activity, entity, and location triggers · A.1 Classification matrix · A.2 Consumer versus commercial debt
Bounded correction to creditor-side
Inside: Bounded correction to creditor-side PASS-03 · Correction result · Access codes
Alabama: collection-law citation and coverage crosslink correction
Inside: Exact replacement rows
Ordinary civil money-judgment wage garnishment, earnings exemptions, and the claim–contest–hearing gateway
Inside: Ordinary civil money-judgment wage garnishment, earnings exemptions, and the claim–contest–hearing gateway · Register counts · 1. There is no single “Alabama wage-garnishment formula”
Ordinary money-judgment bank-account garnishment and property-exemption claims
Inside: Ordinary money-judgment bank-account garnishment and property-exemption claims · 1. Alabama’s published amount is not an automatic bank-account allowance · 2. Depositing wages does not automatically preserve employer-withholding treatment
SAK Alaska provider market access and consumer fees
Inside: Executive determination · 1. How Alaska currently defines and classifies the relevant conduct · 1.1 No verified Alaska debt-relief-specific taxonomy
SAK bounded correction patch
Inside: 1. Exact replacement: PASS-01 §2.1 access-matrix wording · Replace the original noncustodial-settlement row · Add this qualification immediately after the matrix
SAZ — Arizona provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification: what conduct Arizona actually regulates · 2. Market access: license required, prohibited conduct, and conditional exclusions
SAZ Renewal language, public procedure and proration
Inside: A. Substantive findings · 1. Reconciliation of § 6-706(B), § 6-707(C) and R20-4-602(C) · 2. Exact effects and dates of Laws 2025, chapter 222
SAZ Ordinary civil money-judgment earnings garnishment
Inside: 2. Substantive findings · 2.1 What is being garnished, and whose duties are involved? · 2.2 The ordinary formulas and 2026 wage inputs
Arizona ordinary money-judgment garnishment of bank-account funds
Inside: Arizona ordinary money-judgment garnishment of bank-account funds · Identifier and evidence conventions · 1. The bank route concerns money owed or held at service, followed by a separate adjudication
Arizona ordinary consumer-debt limitations, accrual, acknowledgment, and money-judgment enforcement and renewal
Inside: Arizona ordinary consumer-debt limitations, accrual, acknowledgment, and money-judgment enforcement and renewal · Principal findings · 1. Reading conventions and record boundaries
SAZ Arizona collection-agency licensing, actor exemptions, security, and public procedure
Inside: 1. Reading conventions and principal conclusions · 4.1 Government charges and unidentified operational extras · 4.2 Bond, cash alternative, and the limited claim gateway
SAZ Arizona collection communications, validation and disputes
Inside: 1.1 Arizona operative text and version checks · 1.2 Federal statutes, Regulation F and adoption materials · 1.3 Published judicial opinions
Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies
Inside: Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies · 2.1 Arizona classification and exclusions · 2.2 Arizona payment restrictions, security, and public procedure
SAZ Ordinary consumer money-debt court gateway
Inside: Material currentness limitations · 2.1 Court, amount, plaintiff, and representative · 2.2 Venue is not subject-matter jurisdiction, personal jurisdiction, or service
SAZ Arizona consumer money-debt merits, ownership, assignment, and account proof
Inside: Reading conventions and limits · 1. Causes of action and the elements that need proof · Cause-of-action and element matrix
SAZ Arizona residential homestead and ordinary judgment enforcement
Inside: 1. Reading conventions and provenance · 2.1 S_AZ-P11-S001 — Arizona Revised Statutes, Legislature · 2.2 S_AZ-P11-S002 — Arizona Constitution
SAZ Interest, usury, contractual charges, and judgment interest
Inside: 2.1 Arizona architecture, ordinary obligations, and special charge regimes · 2.2 Charge characterization, proof, remedies, and nonbank assignment boundaries · 2.3 Federal actor gates, exportation, transfer, and disclosure distinctions
SAZ Arizona consumer-account arbitration gateway
Inside: 1.1 Governing regimes, jurisdiction, and electronic contracting · 1.2 Formation, modification, delegation, and enforcement by another actor · 1.3 Court motion, waiver, stays, appeals, and calculation rules
SAZ Payment, compromise, satisfaction, and necessary release
Inside: Access, identifiers, and evidence conventions · 1.1 Legal objects, authority, agreement, and payment instruments · 1.2 Satisfaction entry, recorded release, correction, and remedies
Arkansas provider market access and consumer fees
Inside: Arkansas provider market access and consumer fees · Bottom-line determination · 1. Current Arkansas definitions and classifications
Narrow correction patch to Arkansas
Inside: Narrow correction patch to Arkansas PASS-01 · PATCH 1 — Replace PASS-01 § 3.5 in full · Replacement § 3.5 — Separate credit-repair overlap: state enactment, federal CROA, and TSR timing
Arkansas ordinary civil money-judgment wage garnishment and exemption-claim gateway
Inside: Arkansas ordinary civil money-judgment wage garnishment and exemption-claim gateway · A1. What counts as earnings, and what the federal ceiling actually does · A2. Arkansas’s constitutional selection right is different from its special wage statute
Arkansas ordinary money-judgment bank garnishment, ownership, protected funds, and exemption claims
Inside: Arkansas ordinary money-judgment bank garnishment, ownership, protected funds, and exemption claims · Principal conclusions · A1. The Arkansas bank process is not the payroll process
Arkansas consumer-debt limitations, accrual, acknowledgment, and judgment revival
Inside: Arkansas consumer-debt limitations, accrual, acknowledgment, and judgment revival · Principal findings · A1. First uncured default, charge-off, and later conduct
Arkansas collection-agency classification, licensing, exemptions, security, and public procedure
Inside: Arkansas collection-agency classification, licensing, exemptions, security, and public procedure · Principal findings · A1. The four statutory activity branches
Arkansas consumer-debt communications, initial validation, and dispute/verification gateway
Inside: Arkansas consumer-debt communications, initial validation, and dispute/verification gateway · Principal findings · A1. Actor and debt matrix
Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies
Inside: Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies · Principal findings · A1. Definitions and service models
Arkansas ordinary consumer money-debt litigation: court selection, venue, service, response, default, and relief
Inside: Arkansas ordinary consumer money-debt litigation: court selection, venue, service, response, default, and relief · Principal findings · A1. Court-selection matrix
Arkansas official-source, identity, notice, and electronic-writing integration
Inside: Arkansas official-source, identity, notice, and electronic-writing integration · Findings that materially advance the remaining rows · A1. Amendment and adoption matrix
Arkansas ordinary consumer money-debt merits, plaintiff identity, assignment, account proof, and business records
Inside: Arkansas ordinary consumer money-debt merits, plaintiff identity, assignment, account proof, and business records · Principal findings · A1. Merits matrix
Arkansas residential homestead, ordinary judgment liens, execution, estates, and proceeds
Inside: Arkansas residential homestead, ordinary judgment liens, execution, estates, and proceeds · Principal findings · A1. Clause-by-clause matrix
Arkansas ordinary consumer-debt interest, usury, contractual charges, and judgment-interest accounting
Inside: Arkansas ordinary consumer-debt interest, usury, contractual charges, and judgment-interest accounting · Principal findings · A1. Rate architecture matrix
Arkansas ordinary consumer contract/account arbitration: agreement, delegation, enforcement, and award review
Inside: Arkansas ordinary consumer contract/account arbitration: agreement, delegation, enforcement, and award review · Principal findings · A1. Regime matrix
Arkansas ordinary money-judgment payment, compromise, satisfaction, and necessary release
Inside: Arkansas ordinary money-judgment payment, compromise, satisfaction, and necessary release · Principal findings · A1. Do not collapse these events
Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency
Inside: Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency · Principal findings · A1. Definitions and classification matrix
California Debt and Debt-Relief Law — Deep Research Reference
Inside: Debt settlement, counseling, proraters, and debt collection · Limitations, lawsuits, judgments, evidence, and arbitration · Garnishment, levies, exemptions, and bankruptcy boundary
SCA Correction-01 — California Provider Regulation and Source Provenance
Inside: 1. Corrected regulatory framework · Registration timing · Regulatory fees are not consumer settlement fees
SCA Correction-02 — Source Provenance and Coordinator Primary-Evidence Integration
Inside: 1. Provenance correction · 2. Complete 19-row mirror-provenance disposition · 3. Official primary-source evidence — coordinator reuse
SCO Colorado provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification: what conduct Colorado regulates · 2. Market access, exclusions, and failure cases
Rule 4, education-fee refund language, and administrative fee authority
Inside: Rule 4, education-fee refund language, and administrative fee authority · A. Substantive findings · 1. Official final Rule 4: identified, but its body remains held
SCT Connecticut provider market access and consumer fees
Inside: 1. Classification depends on conduct · 2. Permission, prohibitions, and exemptions · 3. Applicable fee structures, amounts, bases, and remaining holds
SCT Connecticut DMP adjustment-fee regulation investigation
Inside: Bottom-line finding · 1. Current statutory fee rules for Connecticut debt adjustment · Current numerical result established in this pass
SCT Connecticut consumer agreements and client-money duties
Inside: 1. Consumer agreements: negotiation versus DMP/debt adjustment · A1. Debt negotiation / debt settlement · Electronic execution
SCT bounded electronic-consumer-delivery correction to
Inside: Disposition · A. Focused substantive addition · 1. Connecticut UETA baseline
SDE — Delaware provider market access and consumer fees
Inside: A. Substantive findings · Executive determination · 1. Statutory classification and territorial reach
SDE bounded qualification and roster-date correction
Inside: 1. Minimal replacement claim table · 2. Minimal source and version usage checks
SDE date-only provenance correction
Inside: Preserved holds
SDE Delaware consumer-money custody, trust-account, administrator, and return component
Inside: Executive disposition · 1. Custody classifications and administrator boundaries · S_DE-P4-C001 — Trust trigger and account definition
SDE bounded timing and predicate correction
Inside: 1. Exact replacement table · 2. Corrected substantive findings · A. Deposit and creditor-disbursement clocks
Florida Debt and Debt-Relief Law — SFL Comprehensive Reference Investigation
Inside: Executive findings and verified Florida matrix · Section-by-section status matrix · Debt relief, collection practices, limitation periods, and credit reporting
SGA Georgia provider market access and consumer fees
Inside: A. Substantive findings · 1. What Georgia classifies as debt adjusting · 2. Prohibited, conditionally permitted, and exempt models
Current Chapter 18-5 evidence and the monthly fee denominator
Inside: Current Chapter 18-5 evidence and the monthly fee denominator · A. Substantive findings · 1. Current Chapter 18-5: stronger enactment evidence, but authentication remains incomplete
SHI Hawaii provider market access and consumer fees
Inside: Bottom-line determination · 1. Current legal classification · 1.1 Operative definition
SHI Conditional credit-repair fee-timing correction
Inside: 1. Exact replacement for PASS‑01 §4.3 · 4.3 Conditional credit-repair overlap — corrected replacement · 2. PASS‑01 claim-cell patches
SID bounded rule-pinpoint clarification
Inside: 1. Corrected sentence · 2. Source and read-status register · Document identity
SID Rule 40 quantity and exception completion
Inside: Displayed history—not an original-order audit · Original claim retained · 3.1 Without-cause branches
Idaho: appellate history and quantity-row corrections
Inside: 1. Replacement history rows · 2. Replacement quantity row · 3. Source and usage register
Idaho: completion of appellate costs inquiry cells B07–B27
Inside:
Idaho: appellate rehearing quantity-row correction
Inside: Replacement quantity row · Source and traceability patch · Read log and preserved gaps
SID Idaho provider market access and consumer fees
Inside: Controlling result · 1. How Idaho defines and classifies the relevant conduct · 1.1 The statutory classification is functional
SID bounded corrections and qualifications to P1
Inside: 1. Stable reference aliases · 1.1 Immutable P1 source identities · 1.2 Exact inline-reference replacements
SID official-source currency and NMLS-checklist evidence patch
Inside: Bottom-line disposition · A1. C004 — credit-repair definition and exclusions · Substantive disposition
SID Idaho customer funds and trust accounts
Inside: Current-source limitation · 1. Which models Idaho’s account and funds provisions reach · 1.1 Section 26-2233 uses an actual-custody trigger
SID Idaho generic provider agreements, disclosures, cancellation, and termination
Inside: Principal findings · 3.1 Necessary actor and relationship boundaries · 3.2 Collection agency–creditor-client contracts
SID Idaho limitation periods, accrual, acknowledgment, and part-payment
Inside: 1. Principal findings · Status key · 2.1 General contracts and accounts
SID Idaho wage and earnings garnishment, exemptions, and claiming procedure
Inside: Evidence status · 1.1 Earnings, disposable earnings, and the proceeding being regulated · Earnings versus other property
SID Idaho bank-account garnishment, protected benefit deposits, and exemption-claim boundaries
Inside: Principal findings · 1.1 Different proceedings and legal objects · 1.2 Prejudgment attachment is not ordinary postjudgment collection
SID Idaho personal-property secured-debt possession, disposition, redemption, surplus, and deficiency
Inside: Principal findings · 1.1 Different legal questions must remain separate · 1.2 Roles and consumer categories
SID Idaho trust-deed nonjudicial power of sale
Inside: Principal findings · 1.1 Trust deed, mortgage, title, and obligation · 1.2 Property and acreage predicates
SID Idaho medical billing, collection conditions, financial assistance, and federal boundaries
Inside: Principal findings · 1.1 Actor and authority comparison · 1.2 Idaho extraordinary collection action is a defined category
SID Idaho payday/deferred-deposit credit, charges, and borrower protections
Inside: Principal findings · 1.1 Product and actor matrix · 1.2 Territorial and exemption qualifications
SID bounded P9 noncash-proceeds correction and symbolic-register additions
Inside: 1.1 Replacement for P9 § 4.5 · 1.2 Disposition and collection are separate clauses · Effective/application status
SID Idaho judicial real-property mortgage foreclosure, judicial sale, redemption, and deficiency
Inside: Principal findings · 1.1 Instrument, debt, property, and possession · 1.2 Judicially foreclosed trust deeds
SID Idaho residential rent arrears, nonpayment termination, summary possession, and deposit boundaries
Inside: Principal findings · 1.1 Distinct legal objects · 1.2 Actor and property categories
SID Idaho regulated residential electric and natural-gas arrears, deposits, termination, restoration, and complaints
Inside: Evidence disposition · Principal findings · 1.1 Actor and service distinctions
SID Idaho consumer credit sales, retail-installment obligations, and motor-vehicle sale distinctions
Inside: Principal findings · 1.1 Product and actor distinctions · 1.2 Territorial and exemption conditions
SID Idaho consumer personal-property leases and lease-purchase arrangements
Inside: Principal findings · 1.1 Legal-category comparison · 1.2 Chapter 36 exclusions
SID Idaho ordinary personal-property exemptions and homestead protection
Inside: Principal findings · 1.1 Execution, exemption, ownership, and debt are different questions · 1.2 Individual, dependent, and residence predicates
SID Idaho ordinary unsecured closed-end consumer cash and personal loans
Inside: Principal findings · 1.1 Product and actor comparison · 1.2 Idaho nexus and exclusions
SID Idaho ordinary civil debt actions: jurisdiction, commencement, service, response, default, and set-aside boundaries
Inside: Evidence disposition · Principal findings · 1.1 Distinct court questions
SID Idaho small-claims debt route
Inside: Evidence disposition · Principal findings · 1.1 Small claims is a distinct procedural route
SID Idaho contested debt proof, documentary evidence, and summary judgment
Inside: Evidence disposition · Principal findings · 1.1 Applicable rule systems
SID Idaho ordinary civil discovery, disclosures, depositions, subpoenas, and protective/enforcement boundaries
Inside: Evidence disposition · Principal findings · 1.1 Ordinary discovery versus other proceedings
SID Idaho ordinary civil trial, jury, verdict, findings, and post-trial motions
Inside: Evidence disposition · Principal findings · 1.1 Procedural posture matters
SID Idaho judgment interest, remaining renewal history, recording, and satisfaction interfaces
Inside: Evidence disposition · Principal findings · 2.1 Interest categories and controlling events
SID Idaho ordinary civil appellate gateways, timing, motion interactions, and stays
Inside: Evidence disposition · Principal findings · 2.1 Constitutional and statutory framework
SID Idaho ordinary civil appellate records and transcripts
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new evidence
SID Idaho ordinary civil appellate briefing, format, appendices, and oral argument
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new evidence
SID Idaho ordinary civil appellate costs, attorney fees, and sanction awards
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new work
SID Idaho appellate rehearing, discretionary review, and narrow remittitur/remand operation
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new work
SID Idaho residential property-tax arrears, payment relief, reductions, and deferral
Inside: Evidence disposition · 1.1 Assessment, levy, bill, delinquency, and lien are different · 1.2 Property categories
SIL Illinois provider market access and consumer fees
Inside: 1. Classification follows the service and compensation, not its name · Core activity boundaries · Consumer versus business purpose
SIL Targeted statutory and fee-rule evidence recovery
Inside: Result and acceptance boundary · 1. Section 125: original operative wording recovered; current version not cleared · 2. Section 135: the refund language is now supported by a primary enactment
Indiana Investigation
Inside: S_IN, PASS-01: Provider market access and consumer fees · Bottom-line determination · 1. Definitions and classification boundaries
Bounded source/currentness and fee-schedule correction
Inside: Bounded source/currentness and fee-schedule correction · Disposition · 2.1 Retained and qualified PASS-01 sources
SIA — Iowa Debt Management, Debt Settlement & Consumer Fees
Inside: 1. Executive findings · Preliminary business-model classification · 2. Substantive findings: classification and market access
Bounded source-evidence and qualification correction to
Inside: Bounded source-evidence and qualification correction to PASS-01 · Correction in one sentence · 1. New source alias
Bounded provenance and renewal-wording correction to saved
Inside: Bounded provenance and renewal-wording correction to saved PASS-02 · 1. Provenance patch · 2. Minimal replacement for S_IA-P1-C016 / C016
Iowa consumer-money custody, trust accounts, administrators, records, and returns
Inside: Iowa consumer-money custody, trust accounts, administrators, records, and returns · 1.1 Activity, not the account label, controls · 1.2 Account/model matrix
Iowa debt-management bond, security, and necessary consumer-recovery component
Inside: Iowa debt-management bond, security, and necessary consumer-recovery component · Bounded conclusion · 1.1 Who must obtain and maintain the bond
Iowa mandatory agreement, disclosure, signature, electronic-consent, notice, amendment, and waiver component
Inside: Iowa mandatory agreement, disclosure, signature, electronic-consent, notice, amendment, and waiver component · Bounded disposition · 1.2 Mandatory pre-enrollment sequence
Bounded source-qualification correction
Inside: Bounded PASS-05 source-qualification correction · 1. Exact drop-in narrative replacements · 2. Replacement and distinct atomic-claim table
Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway
Inside: Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway · A1. The 2026 compilation requires a later-enactment qualification · A2. Classification and accrual matrix
Bounded P04 claim-link and source-pinpoint repair
Inside: Bounded P04 claim-link and source-pinpoint repair · 1. One added atomic records claim · P04 §3.3 — Chapter 533C paragraph
Bounded P06 example-premise, claim-link, and case-use patch
Inside: Bounded P06 example-premise, claim-link, and case-use patch · A. Corrected S_IA-P6-E03 and affected matrix entry · S_IA-P6-E03 — Custodial contract and creditor-consent boundary
Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway
Inside: Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway · Principal findings · A1. The underlying obligation must qualify
Ordinary consumer-debt collection communications and prohibited conduct
Inside: Ordinary consumer-debt collection communications and prohibited conduct · 1.1 Iowa’s conduct definition includes collection for oneself · 1.3 Actor and cumulative-law matrix
Kansas provider market access and consumer fees
Inside: Kansas provider market access and consumer fees · Bottom-line determination · 1. Classification of debt adjustment, settlement, DMP, credit counseling, and related conduct
Bounded precision-correction addendum
Inside: Bounded precision-correction addendum · A1. Replace the A3.1 electronic-processing fee row · Replacement for S_KS-P1-C026
Kansas consumer-money custody, trust, administration, and return
Inside: Kansas consumer-money custody, trust, administration, and return · 1. Covered fund flows and account architecture · 1.1 Direct custodial debt-management flow
Kansas bond, insurance, and alternative-security component
Inside: Kansas bond, insurance, and alternative-security component · 1.1 Trigger · 1.3 Applicant, principal, obligee, and issuer
Kansas mandatory agreement, disclosure, and execution component
Inside: Kansas mandatory agreement, disclosure, and execution component · 1.1 The agreement duties follow covered status · 1.2 Model-security and structural fit
Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations
Inside: Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations · A1. Model-by-remedy matrix · A2. Remedy-by-claimant matrix
Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct
Inside: A1. No general statewide OSBC collection-agency license established · A2. Kansas UCCC jurisdiction and remote nexus · A3. Supervised-lender licensing of assignees and debt buyers
Bounded security source/provenance corrections
Inside: Bounded PASS-04 security source/provenance corrections
Kansas prelitigation debt validation, disputes, and consumer access to account documentation
Inside: Kansas prelitigation debt validation, disputes, and consumer access to account documentation · A2. Original agreement copy · A3. Assignment notice and reasonable proof
Bounded funds/source corrections
Inside: Bounded PASS-03 funds/source corrections
Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays
Inside: Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays · A1. Kansas actor and duty matrix · A2. Kansas file access
Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival
Inside: Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival · A1. Written versus unwritten obligations · A2. Credit cards and revolving debt
Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure
Inside: Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure · A1. Kansas court structure · A2. Route matrix
Bounded electronic-rescission application clarification
Inside: Bounded PASS-05 electronic-rescission application clarification · 1. Replacement and affected cells · 2. Corrected claim cells
Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence
Inside: Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence · A1. The concepts must remain distinct · A2. Plaintiff-model matrix
Two bounded remedies precision corrections
Inside: Two bounded PASS-06 remedies precision corrections · 1. Complete two-group disposition · 2. Replacement for PASS-06 B1
Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway
Inside: Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway · A1. State-versus-federal threshold matrix · A2. 2018 enactment and current-status check
Kansas ordinary consumer-debt arbitration award to court judgment
Inside: Kansas ordinary consumer-debt arbitration award to court judgment · A1. Act/version matrix · A2. Award-form matrix
Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction
Inside: Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction · A1. Judgment-type matrix · B1. Interest-layer matrix
Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions
Inside: Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions · A1. Ordinary postjudgment routes · A2. Prejudgment boundary
Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing
Inside: Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing · A1. Court and route matrix · A2. What the order reaches
Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions
Inside: Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions · A1. Court-route matrix · A2. Judgment entry and 14-day stay
Kansas ordinary consumer-money-judgment real-estate execution and homestead protection
Inside: Kansas ordinary consumer-money-judgment real-estate execution and homestead protection · A1. Stage matrix · A2. Effective judgment and enforcement stay
Kentucky provider market access and consumer fees
Inside: Kentucky provider market access and consumer fees · Executive disposition · 1.1 Activity-based definition
Bounded registry retrieval/provenance correction
Inside: Bounded registry retrieval/provenance correction · 1. Correction to S_KY-P1-C034 and Section 5.3 · Exact claim correction
SLA — Louisiana Provider Market Access and Consumer Fees
Inside: A. Substantive findings · 1. Classification and statutory boundaries · 2. Licensing versus prohibition
Louisiana Chapter 33 licensing-architecture patch
Inside: Louisiana Chapter 33 licensing-architecture patch · 1. Bounded result · 2. Government charges and financial assurance are separate from consumer fees
Remaining Chapter 33 operational-administration and rules evidence
Inside: Remaining Chapter 33 operational-administration and rules evidence · 1. Bounded answer · Status by question
P3 cross-reference correction and original-enactment/formal-conflict component
Inside: P3 cross-reference correction and original-enactment/formal-conflict component · 1. Bounded result · 2.1 Chapter 33
Louisiana: correction of PASS-04 session and source dates
Inside:
Maine provider market access and consumer fees
Inside: Maine provider market access and consumer fees · Executive determination · 1. How Maine classifies the relevant conduct
Focused official-source and market-access-fee replacement patch
Inside: Focused official-source and market-access-fee replacement patch · Controlling patch conclusions · 5.1 Current application path
Bounded §6174-B(3) qualification patch
Inside: Bounded §6174-B(3) qualification patch · 1. Replacement claim rows · 3. Replacement PASS-02 market-access-fee table cells
SMD Maryland provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification: the services and funds flow control · 3. Consumer fee structures, limits, refunds, and credits
SMD Maryland §12-1010(c)(3) payment trigger and installment/per-debt earning
Inside: Bottom line · Dedicated account does not resolve the ambiguity · Legislative history does not supply the missing object of “payment”
SMD Maryland consumer agreements and client-money duties
Inside: A. Substantive findings · 1. Agreement duties differ materially between DMP and debt settlement · Electronic agreement and delivery rules
SMD bounded correction to
Inside: A. Exact PASS-03 replacements · 1. Replace the PASS-03 electronic-consent body text and S_MD-P3-C017 · 3. Replace the PASS-03 remote-work funds text and S_MD-P3-C043
SMA Massachusetts provider market access and consumer fees
Inside: A. Substantive findings · 1. Definitions and classification: follow the activities and money flow · 2. Prohibited, conditionally permitted, and excluded models
SMA 940 CMR 38 remaining-evidence investigation
Inside: Bottom line · Debt-relief implication · 2. Price and fee presentation — §38.04
SMA bounded source-access / coverage reconciliation
Inside: 1. What PASS-02 actually had versus what it overstated · 940 CMR 38.05(1) — Trial Offers · 940 CMR 38.05(2) — Negative Option disclosure before purchase
SMA final-text and source-identity reconciliation
Inside: A. Result · Printed p.253 — complete substantive content now read · Printed p.254 — complete substantive content now read
SMI Michigan provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification depends on the activity and money flow · 3. Consumer fee structures and limits
SMN — Minnesota Debt Settlement and Debt Management
Inside: A. Substantive findings · 1. Minnesota regulates settlement and debt management separately · 2. Minnesota is a registration state for covered debt settlement services
SMN — Minnesota
Inside: 2026 registration amendments, effective date, and incorporated exemptions · Focused disposition · 1. Replacement for PASS-01 section 4 currentness discussion
Minnesota: correction of PASS-02 research and access dates
Inside:
SMN — Minnesota
Inside: Current public registration materials, transition evidence, and status-verification procedure · Focused disposition · 1. Current public application, checklist, and registration instructions
SMN Minnesota settlement-fee performance and partial-plan savings
Inside: 1. Principal findings · A1. Currentness and material effective dates · A2. Minnesota’s performance question
SMN Minnesota DMP fees, initial-payment allocation, and necessary funds ledger
Inside: A. Answers to the central questions · A1. Can origination and maintenance both be taken from an initial payment? · A2. What remains unresolved about a separately paid origination fee?
SMN Minnesota lead generation, referrals, compensation, and provider boundaries
Inside: A1. Four questions must be answered separately · A2. Lead generation is distinct from providing the service—but not necessarily unregulated · Actor/activity/required-step matrix
SMN Credit-repair representations, Minnesota CSOs, CROA, and the TSR
Inside: A. Principal conclusions · A1. Three regimes—not one interchangeable “debt relief” rule · A2. A material Minnesota amendment must be applied
SMN Custody, account controls, records, reconciliation, and security
Inside: B2. Ownership and account control: what is established · Bank-documentation gap · C1. DMP and settlement controls are not interchangeable
SMN Collection-agency, debt-buyer, and individual-collector credentials
Inside: A. Findings that control this gateway · 1. Minnesota’s collection definition is not the FDCPA definition · 2. Entity approval and individual registration have different starting rules
SMN Ordinary consumer collection communications, validation, and disputes
Inside: A. Conclusions that must remain separate · Necessary 2026 exclusion overlay · Principal-purpose buyers and knowledge
SMN Earnings garnishment, wage exemptions, and the claim–objection–hearing process
Inside: A1. Minnesota no longer has a universally applicable flat 25% ordinary-wage formula · A2. Percentage protection is automatic; a benefit-based claim is a different question · A3. Garnishment, sheriff’s levy, and attorney’s execution are different procedures
SMN Bank-account and non-earnings garnishment, exemptions, tracing, and release
Inside: A1. There are three materially different routes · A2. Automatic federal protection is not the entire exemption determination · A3. Minnesota expressly requires FIFO for specified deposited exemptions
SMN Earnings remittance, retention, exemption claims, and form harmonization
Inside: A. Focused findings · A1. The 90-day remittance instruction is enacted law, not merely informal guidance · A2. The six-business-day creditor rule is not a six-business-day employer-release rule
SMN Consumer contract and account-debt limitations, accrual, choice of law, and revival
Inside: A1. The consumer rule is broader than a debt-buyer restriction · A2. Six years is not a universal classification rule for every transaction · A3. A missed installment is not automatically acceleration of every future installment
SMN Bounded correction supplement to
Inside: A. Verified statutory correction · A1. What §571.79(h) requires · A2. Necessary surrounding discharge provisions
SMN Minnesota consumer money-debt court gateway
Inside: A1. District and conciliation court are not interchangeable · The $4,000 category is narrower than “consumer debt” · A2. Venue and jurisdiction are separate
SMS Mississippi provider market access and consumer fees
Inside: Component conclusion · 1. How Mississippi classifies the relevant conduct · A.1 Classification matrix
SMS focused precision and currentness addendum
Inside: 1. Exact federal timing replacements · Replacement for A.19 and S_MS-P1-C037 · Replacement for S_MS-P1-C030
SMS Mississippi consumer-money custody, escrow, processor, and return component
Inside: Component conclusion · 1. Account-model and control matrix · 2. Chapter 22 custody, escrow, and ledger requirements
SMS Mississippi debt-management provider and processor bond/security component
Inside: Component conclusion · 1.1 Who must furnish security · 1.2 Amount, payee, and conditions
SMO — Missouri Debt Relief Provider Access & Consumer Fees
Inside: A. Substantive findings · Executive determination · A1. Definitions and model classification
Bounded correction and evidence reconciliation
Inside: Bounded correction and evidence reconciliation · 1. Dedicated-account replacement · Replacement for P1 A4, C018 and C026
Minimal provenance-only patch to
Inside: Minimal provenance-only patch to PASS-02 · Source and version dates unchanged
SMT Montana provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification and market access · 2. Consumer fees
SMT Focused precision correction and current-rule/scope addendum
Inside: A. Exact federal replacements and corrected source labels · 1. Replacement for PASS-01 paragraph 5 and claim C025 · 2. Replacement qualification for C026 — dedicated accounts
SMT Minimal provenance correction
Inside:
SMT Montana consumer-money custody, trust-account, and refund architecture
Inside: Core determination · 1. Custody entry point and hybrid arrangements · Part 20 custody
SMT Montana bond, insurance, and alternative-security component
Inside: Executive findings · 1. Covered models and security triggers · Part 20 — debt management and covered credit counseling
SMT Montana mandatory agreement, disclosure, and execution component
Inside: Core conclusions · Part 20 custodial DMP · Part 21 noncustodial settlement
SMT Montana Part 20/Part 21 provider enforcement, private remedies, voidness, fee return, and remedy-specific limitations
Inside: Executive conclusions · Administrative licensing discipline · A2. Part 21 remains the noncustodial settlement branch
SMT Montana collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct
Inside: I. Executive determination · 1. No general standalone Montana “collection agency” license was identified · 2. The central Montana licensing trigger is the debt’s legal origin and the collector’s activity
SMT Montana prelitigation debt validation, disputes, and consumer access to account documentation
Inside: 1. Montana does not present one universal debt-validation regime · 2. Montana Consumer Loan Act records and consumer-facing information · A. Payment receipts
SMT Montana ordinary consumer-debt credit reporting, furnishing, and dispute overlays
Inside: I. Bottom-line findings · 2. Montana CRA accuracy and compliance duties · 3. Montana file access
SMT Montana ordinary unsecured consumer-debt limitation, accrual, choice-of-law, tolling, and revival
Inside: I. Executive conclusions · Classification rule · 1. General accrual
SMT Bounded Example 3 correction
Inside: Correction summary · Exact replacement text for PASS-04 Example 3 · Example 3 — Receipt before a valid signed DMP
SMT Montana ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur
Inside: I. Executive findings · A. Small Claims assignment restriction · B. Real party and entity representation
SMT Two bounded agreement qualifications
Inside: A. Correction summary · Exact replacement for the PASS-06 E-SIGN paragraph · Conditional E-SIGN and Montana-UETA relationship
SMT Montana ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence
Inside: I. Executive findings · A. Real party versus subject-matter jurisdiction · B. Cure, ratification, joinder, and substitution
SMT Montana ordinary consumer-debt arbitration, delegation, judicial gateway, and related waiver
Inside: I. Executive findings · A. Actor matrix · B. Assignment boundary
SMT Montana ordinary consumer-debt arbitration award-to-judgment confirmation, vacatur, modification/correction, appeal, and stay boundaries
Inside: I. Core determinations · A. Montana statutory award requirements · B. Current AAA Consumer Rules—conditional only
SMT Montana ordinary consumer-debt court-judgment interest, duration, renewal, satisfaction, and judgment-lien release
Inside: I. Core conclusions · A. Prejudgment versus postjudgment interest · B. Montana default postjudgment formula
SMT Bounded corrections and qualifications to
Inside: Correction determination · Exact replacement for PASS-07 Example 1 · Exact replacement for PASS-07 Example 2
SMT Bounded public-enforcement procedure, attorney-fee, and crosslink corrections
Inside: Correction summary · Civil investigative demand and challenge procedure · Conditional CID workflow
SMT Montana ordinary unsecured consumer-debt wage garnishment and earnings exemptions/procedure
Inside: I. Core determinations · A. Statutory definitions · B. Required versus voluntary payroll deductions
SMT Montana ordinary unsecured consumer-debt bank-account garnishment, deposit/benefit exemptions, and tracing
Inside: I. Core determinations · II. Court, actor, and account-route matrix · III. Montana ordinary bank-levy workflow
SMT Montana ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution, exemptions, and debtor procedure
Inside: I. Core determinations · A. Current amount and category matrix · B. Exemption stacking rules
SMT Montana ordinary unsecured consumer-money-judgment real-estate execution and homestead
Inside: I. Core determinations · A. General seizure/exemption notice · B. General exemption request
SMT Bounded precision and source corrections to
Inside: Effect on the original PASS-21 · 1(a). Replacement for P21 VI.A notice-content paragraph · Statutory officer notice
SMT Bounded precision and source corrections to
Inside: I. Effect on the original PASS-22 · A. Exact replacement for PASS-22 core finding 5 and debtor-notice content · Montana officer notice after execution
SMT Bounded precision and completeness corrections to
Inside: Replacement for PASS-23 VI.A · Debtor notice after execution · Notice claim-cell effect
SMT Bounded procedure, redemption, and source/render corrections to
Inside: A. Replacement for PASS-24 core finding 23, Matrix V step 5, VII.C, C038, and Example 7 · Service of the homestead appraisal petition · Service-method hold
SMT Bounded provenance, mail-method, claim-mapping, and display corrections to
Inside: I. Effect on original PASS-27 · Montana notification of seizure — §25-13-211 · Unchanged §25-13-212 conditions
SNE Nebraska provider market access and consumer fees
Inside: Executive determination · Model disposition matrix · 1. Definitions and classification
SNE focused precision correction and current Title 433 evidence
Inside: A. Federal wording replacements · A1. Replacement for PASS-01 §4.4 and old claim S_NE-P1-C026 · A2. Replacement for old claim S_NE-P1-C024
Nebraska: dedicated-account wording and source-scope corrections
Inside:
SNE Nebraska consumer-money custody, account, and return architecture
Inside: Executive determination · 1. Chapter 69 custody entry point and model classification · 1.1 Operative entry point
SNE Nebraska bond, insurance, and alternative-security component
Inside: Executive determination · 1. Operative security requirements by model · 1.1 Licensed custodial debt management
SNE Nebraska mandatory agreement, disclosure, and execution component
Inside: Executive determination · B1. Pre-acceptance suitability · B2. Mandatory DMP contract clauses
SNE Nebraska provider enforcement, private remedies, and remedy-specific limitation conditions
Inside: Focused determination · B1. Licensing discipline · B2. Examination and investigation
SNE Nebraska collection-agency and debt-buyer licensing; original-creditor versus third-party coverage; state-specific collection conduct
Inside: Focused determination · A1. Core state definition · Commercial versus consumer claims
SNE Nebraska prelitigation debt validation, disputes, and consumer access to account documentation
Inside: Executive determination · B2. State records retained by collection agencies · B3. Bounded “no general counterpart verified” conclusion
SNE Nebraska ordinary consumer-debt credit reporting, furnishing, and dispute overlays
Inside: Executive determination · B1. Consumer-file access under §20-149 · Charge and format limits
SNE Nebraska ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival
Inside: Executive determination · B1. Written contract—five years · B2. Oral, implied, or materially parol-dependent agreement—four years
SNE Nebraska ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur
Inside: Executive determination · A1. Small Claims Court eligibility · A2. Regular civil real-party and assignment rules
SNE bounded source and electronic-law patch
Inside: GROUP 1 — corrected source cells and literal URLs · GROUP 2 — E-SIGN/UETA relationship correction
SNE Nebraska ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account records, and evidence
Inside: Executive determination · B1. Real-party requirement and cure · B2. Written assignment and the specific account
SNE Nebraska ordinary consumer-debt arbitration, delegation, judicial gateway, and related waiver
Inside: Executive determination · B1. Nebraska Uniform Arbitration Act · B2. Nebraska’s special arbitration warning
SNE bounded correction of five provider-remedy groups
Inside: 1. Five-group disposition · A. Replacement for PASS-07 §D2 and claim S_NE-P7-C023 · Replacement substantive paragraph
SNE Nebraska arbitration award-to-judgment, confirmation, vacatur, modification, appeal, and stay boundaries
Inside: Focused determination · B1. Nebraska award requirements · B2. Nebraska arbitrator correction or clarification
SNE Nebraska court-judgment interest, dormancy, revival, judgment liens, satisfaction, and release
Inside: Executive determination · B1. Rate-selection rule · Recent official Nebraska judgment rates
SNE Nebraska ordinary consumer-debt wage garnishment and earnings exemptions
Inside: Executive findings · B1. Judgment prerequisite · B2. Creditor affidavit and summons
SNE Nebraska bank-account garnishment, deposit and benefit exemptions, ownership, and tracing
Inside: Focused determination · B1. Existing court judgment is required · B2. Filing court and affidavit
SNE Nebraska nonwage, nonbank personal-property execution and exemptions
Inside: Executive findings · B1. Creditor request and clerk issuance · B2. Service and notice to the debtor
SNE bounded procedure and source-precision corrections
Inside: Disposition of the three correction groups · 1A. Replacement for PASS-19 §C3, “Current pay-period floors” · Correct combined Nebraska formulas
SNE five bounded corrections to reviewed
Inside: Five-group disposition · 1A. Replacement for PASS-20 §D2 · Initial examination of the garnishment order — §212.4(a)
SNE Nebraska real-estate execution and homestead
Inside: Executive findings · A1. Entry, judgment lien, levy, and sale are different events · A2. What interest is reachable
SNE dated source-observation annotations to reviewed /corrections
Inside: GROUP 1 — CC 3:8N and CC 3:8Na observed-version replacement · Correct bounded conclusion · GROUP 2 — VA §5301 exact-header provenance replacement
SNE Nebraska collector-conduct private remedies and public enforcement
Inside: Focused determination · B1. Licensing and prohibited conduct · B2. Conditional exclusions are not immunity
SNE Nebraska residential deed-of-trust nonjudicial trustee sale
Inside: Executive determination · A1. Actor and authority matrix · A2. Eligible trustee
SNE Nebraska residential judicial mortgage foreclosure through sale, confirmation, and redemption
Inside: A. Proper court and venue · B. Commencement and the federal “first filing” · C. Plaintiff standing and enforcement authority
SNE four bounded corrections to collector-conduct remedies
Inside: Four-group disposition · 1. Criminal text and unresolved mental-state construction · Replacement for PASS-26 B1, C006, and Example 1’s legal premise
SNE Nebraska residential mortgage/trust-deed post-sale deficiency, valuation, personal liability, limitations, and election boundaries
Inside: I. Core determination · A. Nonjudicial trustee sale · B. Judicial mortgage or deed-of-trust foreclosure
SNE Four bounded corrections to Nebraska nonjudicial trustee-sale
Inside: G1 — Statutory gateways and mandatory consequences · 1. Section 76-1012: both payment branches require acceleration before fixed maturity · 2. Section 76-1006: precise farm-operations gateway
SNE Residual source mapping and observer annotations
Inside: G1 — Corrected source-register cells · Replacement S_NE-P29-S013 — Nebraska Consumer Protection Act · Replacement S_NE-P29-S015 — Uniform Deceptive Trade Practices Act
SNE Nebraska post-foreclosure possession, occupants, tenants, and eviction
Inside: Executive findings · A. Role, title, and possession-route findings · A1–A7. Which route can each person use?
SNE C032/S019 search-scope attribution correction
Inside: 1. Replacement PASS-32 C032 crosslink row · 4. Observer and currentness preservation
SNV Nevada Provider Market Access and Consumer Fees
Inside: A. Substantive findings · 1. Nevada has a statutory registration framework that expressly encompasses debt settlement · 3. The administrative code adds independent operating conditions
SNV Focused current-law correction and 2026 fee-adjustment evidence
Inside: A. Replacement and supplemental passages · A1. Replace PASS-01 section 7 and S_NV-P1-C016 · A2. Replace PASS-01 section 3’s reliance on old NAC 676A.140
Nevada: coordinator-review date correction
Inside:
SNV Nevada Consumer-Money and Trust-Account Architecture
Inside: A. Substantive findings · 1. Nevada has two materially different consumer-money architectures · Conduct and account-model matrix
SNV Bounded P04 account-money corrections
Inside: A. Limited source-use register · B. Precise narrative and matrix replacements · R1 — Provider control is not identical to administrator affiliation
SNV Provider civil enforcement and consumer remedies
Inside: A. Numbered substantive findings · 2. Chapter 676A remedies: the precise monetary object and predicate matter · 3. Consumer fraud, credit services, punitive damages, and nonduplication
SNV Provider agreements, disclosures, authority, and cancellation
Inside: A. Substantive findings · 1. Classify the service and parties before selecting the agreement requirements · 2. Nevada requires a sequence of disclosures and records—not merely a signed final contract
SNH New Hampshire provider market access and consumer fees
Inside: Executive determination · 1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking conduct · 1.1 The umbrella definition is activity-based
SNH Bounded worked-example consistency correction
Inside: Correction determination · Exact replacement for PASS-01 Example 7 · Example 7 — Later partial settlement, prior proportional fees, and remaining aggregate headroom
SNJ New Jersey provider market access and consumer fees
Inside: Principal findings · 1. What conduct New Jersey classifies as debt adjustment · The statute uses alternative activity tests
SNJ Current market-access / fee-authority authentication only
Inside: A. Findings · 1. Current N.J.S.A. 17:16G-2 · 2. Current N.J.S.A. 17:16G-6
SNJ correction to authority overreach
Inside: A. Exact PASS-02 old-claim patch map · B. Opening conclusions corrected
SNM New Mexico provider market access and consumer fees
Inside: Bottom-line disposition · 1. How New Mexico classifies debt adjustment, settlement, DMP, credit counseling, and related conduct · 1.1 Operative classification elements
SNM bounded correction to original
Inside: 1. Loan-arranger/lender exclusion replacements · 1.1 Replace the affected model-classification row · 1.2 Replace the affected exact-exemption row
SNY ACCESS-01 — Source provenance correction
Inside: 1. Corrected S_NY-P02-C005 finding and status · Prior evidence reuse · 2. Corrected S_NY-P02-S003 source-register row
SNY New York debt-adjustment and debt-settlement provider law
Inside: 1. Executive findings · 2. Detailed statutory findings · 2.1 Regulated activity and geographic reach
SNY New York provider fees, cancellation and debtor funds
Inside: 1. Findings and regulatory status · S_NY-P02-C001 — Part 402 applicability · S_NY-P02-C002 — Part 404 is substantively relevant
SNC, North Carolina provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification depends on the actual services, money flow, compensation, and debtor · 2. Market access: prohibition, conditional exceptions, and unresolved boundaries
Noncustodial postperformance fees and the unit of completion
Inside: Noncustodial postperformance fees and the unit of completion · A. Substantive findings · 2. Per-debt completion remains the decisive unresolved boundary
SND North Dakota provider market access and consumer fees
Inside: Bottom line · 1. Classification of conduct · 1.1 Operative classification matrix
Four remaining fee-timing and refund questions
Inside: Four remaining fee-timing and refund questions · Before/after proposition map · 1. Chapter 13-11: installment settlements and fee collection
SOH Ohio provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification follows the activity and representations · 2. Market access: compliance, actual exemptions, and a separate registration regime
Remaining evidence: §4710.02 fee bases and aggregation
Inside: Remaining evidence: §4710.02 fee bases and aggregation · A. Substantive findings · 1. Initial setup, initial consultation, and the annual consultation limit
SOK Oklahoma provider market access and consumer fees
Inside: Bottom-line disposition · 1. Current classification of debt adjustment, settlement, DMP, credit counseling, and related fee-taking conduct · 1.1 Oklahoma debt pooling is a conduct-based prohibition
SOR Oregon provider market access and consumer fees
Inside: Executive determination · 1. Current classification and definitions · 1.1 Covered “consumer”
SOR bounded correction to
Inside: 1. Replacement for Example 8 · Example 8 — Later custodial cancellation · Scenario A — $1,000 represents starting receipts
SOR Oregon consumer funds and trust-account component
Inside: Currentness limitation · 1. Which providers and funds flows must use an Oregon trust account · 1.1 The trigger is actual direct or indirect custody—not the program label
SOR bounded source-pinpoint and order-wording correction
Inside: 1. Old → corrected patch index · S002 usages checked but not changed · 2. Corrected affected source cells
SOR Oregon debt-management bond/security and consumer-recovery component
Inside: Currentness and source limitation · 1.1 Who must furnish the bond · 1.2 Current amount
SOR bounded precision correction to
Inside: 1. Old → corrected patch table · S_OR-P5-C020 — replacement · Replacement for PASS-05 §3.7
SOR Oregon mandatory agreement, disclosure, and consent component
Inside: Currentness limitation · 1. Prerequisites before agreement, services, and money · 1.1 Best-supported state sequence
SPA Pennsylvania provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification follows the actual service, payment arrangement and debt purpose · 3. Consumer fee structures and current amount limitations
SPA Pennsylvania DMSA §15(i) annual adjusted fee maxima
Inside: Bottom line · 1. The three statutory starting figures are authenticated, but they are not automatically the October 2026 figures · 2. The adjustment mechanism and relevant anniversary can be bounded
SRI Rhode Island provider market access and consumer fees
Inside: Executive determination · 1. Classification of debt adjustment, settlement, DMPs, counseling, and related conduct · 1.1 The governing functional test
SRI bounded correction patch to saved
Inside: 1.1 Replace the cancellation portion of P1 A3.4 · Replacement for P1 claim C027 · 1.2 Replace Worked Example 8
SSC South Carolina provider market access and consumer fees
Inside: A. Substantive findings · 2. Market access: licensing is available, with conditional exclusions · 3. Consumer fee structures and current dollar limits
SSC South Carolina remaining-evidence investigation
Inside: Bottom-line changes to PASS-01 · 1. DCA Administrative Interpretation 7.108-1003 · 1.1 Compensation source, not consumer billing label, controls the threshold
SSC South Carolina consumer agreements and client-money duties
Inside: Executive result · A1. Mandatory agreements for negotiation versus DMP/credit-counseling models · A1.2 Pre-contract prerequisites
SSC bounded correction to saved
Inside: A. Replacement patch keyed to original PASS-03 body and claim IDs · A1. Correct §37-7-111 structure and pinpoints · A2. Replace the vague §37-7-114(C) out-of-state-records description
SSD South Dakota provider market access and consumer fees
Inside: Executive determination · 1. Current classification of debt adjustment, settlement, negotiation, DMPs, and credit counseling · 1.1 Operative definition
SSD Four corrections to
Inside: 1. Four-row before-and-after correction map · CROA correction’s precise effect · 4. E03 — Bounded correction, with the original method preserved
SSD Provider agreements, disclosures, consent, cancellation, and contract failure
Inside: 1. Formation, required terms, disclosures, and applicability · 2. Consent, negotiation authority, payment authority, and electronic delivery · 3. Cancellation, rescission, withdrawal, and the different clocks
SSD Bounded corrections to P03
Inside: 1. Fresh source table and affected source annotations · 2. Atomic corrective claims and exact replacement passages · Placement instructions for the principal corrections
STN, Tennessee provider market access and consumer fees
Inside: 1. Classification: what activity falls within which framework? · Two statutory frameworks must be evaluated · Resident and remote-provider nexus
Tennessee current-law authentication, 2026 rules, transition/overlap, and indexed amounts
Inside: Tennessee current-law authentication, 2026 rules, transition/overlap, and indexed amounts · 1. Current Part 55 and Part 58 are authenticated as current statutory programs · The TDCI “Part 48” discrepancy
Texas Debt and Debt-Relief Law — Research Reference
Inside: Debt relief providers and debt collection · Limitation periods, lawsuits, arbitration, and judgments · Garnishment, exemptions, secured debt, and special debt types
SUT — Utah provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification of covered services · 2. Market access and registration
SUT bounded coordinator correction
Inside: 1. Minimal replacement claim cells · 2. Source and version usage check · 3. Corrective PASS-02 claims
SVT Vermont provider market access and consumer fees
Inside: Bottom-line determination · A1. Definitions and classification · 1.1 Controlling definition
SVA Virginia provider market access and consumer fees
Inside: A. Substantive findings · 1. Classification follows the conduct, funds arrangement, and customer—not the marketing label · 3. Consumer fee bases, ceilings, additional charges, and currentness
SVA Virginia narrow construction follow-up
Inside: Bottom line · 1. Later debt settled without its own creditor payment · What Virginia actually says
SVA Virginia consumer agreements and client-money duties
Inside: 1. Mandatory agreement form, execution, disclosures, promises, warnings, prohibited terms · A2. Debt-settlement agreement — Chapter 20.1 · A3. Settlement agreement formatting and readability
SVA Bounded correction addendum to
Inside: A. Exact narrative-to-canonical-claim map · Exact identity corrections · B1. Replacement for PASS-02 narrative § 2, “Current conclusion”
SVA Bounded correction addendum to
Inside: A. Exact old-to-replacement claim map · B1. Replacement for PASS-03 claim C027 · Dependent PASS-03 language
SWA correction of the C070 coverage pinpoint
Inside: 1. Source and usage register · 3. Old-versus-new patch table · 5. Source-version and quantity-or-unchanged table
SWA exact original-row completion
Inside: 1. Source and usage register · 2. Corrected claim table · 3. Complete old/new patch table
Two bounded source corrections
Inside: Two bounded source corrections · 1. Exact replacement claim table · 2. Necessary cross-reference patch table
1. Exact two-cell replacements
Inside: 1. Exact two-cell replacements · 2. Minimal source and claim traceability · 4. Actual read/failure log and version limits
Washington provider market access and consumer fees
Inside: Washington provider market access and consumer fees · 1. What Washington classifies as debt adjustment · Conduct controls the classification
Remaining fee interactions and patches to
Inside: Remaining fee interactions and patches to PASS-01 · A. Substantive findings · 1. Initial $25, the payment cap, cumulative retention, and a small first payment
Generic limitation periods, accrual, acknowledgment, payment and revival
Inside: Generic limitation periods, accrual, acknowledgment, payment and revival · How to read the registers · 1.1 Ordinary contracts, accounts, sales and leases
SWA Washington generic civil debt-action framework
Inside: 1. Reading conventions and authority boundaries · Authority and procedural-category comparison · 2.1 Courts, jurisdiction, venue, and procedural tracks
SWA Washington ordinary civil earnings garnishment
Inside: Reading conventions · A1. Legal categories, jurisdictional predicates, and authority levels · A2. Symbolic wage relations and adopted rate references
Washington non-earnings bank/deposit garnishment, account protections, and exemption process
Inside: Washington non-earnings bank/deposit garnishment, account protections, and exemption process · Reading and citation conventions · 1.1 What each authority governs
Washington homestead and ordinary nonwage, nondeposit property exemptions from execution
Inside: Washington homestead and ordinary nonwage, nondeposit property exemptions from execution · Reading conventions · 1.1 The principal distinctions
Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries
Inside: Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries · 1. Reading conventions and authority boundaries · Authority and category comparison
Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries
Inside: Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries · Reading conventions · A. Judicial-route gateway, instruments, actors, parties, and proof — Questions 1–2
Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies
Inside: Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies · Reading conventions · 1. Material category, actor, authority, and event comparisons
SWA Washington consumer credit sales and retail installment obligations
Inside: 1. Principal findings · Identifier convention · 2. Material legal-category and authority comparisons
SWA Consumer personal-property leases and rental-purchase agreements
Inside: 1. Substantive findings by requested question · Question 1 — Governing regimes and classification · Question 2 — Agreement, disclosure, writing, and prohibited terms
SWA Residential rent arrears, nonpayment termination, deposits, and the summary-possession interface
Inside: Reading conventions · 1. Material category and authority comparisons · B. Rent increases, nonwaiver, and dishonored-payment boundaries
SWA Regulated residential electricity and natural-gas arrears, disconnection and restoration
Inside: Reading key and limits · 1.1 Statutes: instruments, literal URLs and read bounds · 1.2 Administrative-code instruments and section-by-section usage
SWA Hospital charity care, medical billing, and medical-debt collection
Inside: 1. Material legal-category and actor comparisons · 2A. Current codified operative sources · 2B. Adopted originals, federal poverty publication, interpretation, and status sources
Washington student-loan servicing and borrower protection
Inside: Washington student-loan servicing and borrower protection · 1. Material category and authority comparisons · Reading and identification conventions
SWA Washington small-loan / payday / deferred-deposit component
Inside: 1. Reading conventions and evidentiary status · A. Category, actor, exemption, and territorial boundaries · B. License, endorsement, limited-agent, and financial-security structure
Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund
Inside: Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund · Reading conventions · 2. Atomic consequential claim ledger
Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries
Inside: Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries · 2. Source and usage ledger · Reading conventions
Ordinary contested civil debt proof in Washington
Inside: Ordinary contested civil debt proof in Washington · 1.2 Assertions, admissions, affidavits, and declarations · 1.3 Documentary and electronic proof
SWV West Virginia provider market access and consumer fees
Inside: Executive determination · 1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking · 1.1 Controlling activity definition
SWI Wisconsin provider market access and consumer fees
Inside: Executive disposition · 1. Classification of the covered business models · 1.1 Statutory definition
Wisconsin collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct
Inside: Important access limitation · 1. Governing classification architecture · 1.1 The three Wisconsin layers
Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation
Inside: Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation · State-source access limitation · 1. Wisconsin Consumer Act gateway
Credit reporting, disputed information, settlements, and reporting consequences
Inside: Credit reporting, disputed information, settlements, and reporting consequences · 1. Critical current-law findings · The 2025 federal medical-debt reporting ban is not operative
SWI Wisconsin correction dossier
Inside: G1. Corrected federal predicates and exceptions · 1. Regulation F §1006.30(b): paid, settled, and discharged debts · Separate §1006.30(a) debt-parking rule
SWI Bounded corrections to
Inside: G1. Exact Regulation F predicates and exceptions · 1. Replace PASS-05 C001's inconsistent conditions cell · 3. Two bounded classification comparisons
SWI Wisconsin hospital / medical-bill financial assistance, charity care, patient billing, and assistance-related collection protections
Inside: Executive findings · 1. Federal §501(r) actor and facility gateway · Actor / service classification matrix
Wisconsin ordinary civil money judgments: entry, docketing, liens, enforceability, renewal, interest, payments, and satisfaction
Inside: Wisconsin ordinary civil money judgments: entry, docketing, liens, enforceability, renewal, interest, payments, and satisfaction · Wisconsin primary-text access qualification · 1. Rendition, entry, perfection, and docketing
Federal identity-theft credit-report blocking, fraud alerts, ordinary security freezes, and protected-consumer freezes
Inside: Federal identity-theft credit-report blocking, fraud alerts, ordinary security freezes, and protected-consumer freezes · 1. Actor and route matrix · 2. The complete four-element block packet
Four bounded corrections to Wisconsin
Inside: Four bounded corrections to Wisconsin PASS-08 · Correct source-status classification · Replacement for PASS-08 §19.1
Wisconsin ordinary consumer-judgment earnings garnishment
Inside: Wisconsin ordinary consumer-judgment earnings garnishment · 1. Covered proceeding · 2. Statutory actors
Four bounded qualification repairs to reviewed
Inside: Four bounded qualification repairs to reviewed PASS-09 · 1. Replacement for PASS-09 paragraph 3 and S_WI-P09-C005 · Exact Regulation V sequence
Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway
Inside: Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway · 1. Actor and legal-role matrix · 2. Separate-action and postjudgment gateway
Wisconsin ordinary civil money-judgment personal-property execution, levy, and sheriff-sale gateway
Inside: Wisconsin ordinary civil money-judgment personal-property execution, levy, and sheriff-sale gateway · 1. Execution is court process, not self-help · 2. Core actors
Wisconsin homestead and ordinary personal-property exemption amounts, eligibility, and valuation gateway
Inside: Wisconsin homestead and ordinary personal-property exemption amounts, eligibility, and valuation gateway · Current principal amounts · 1. Constitutional and statutory construction
Wisconsin ordinary consumer money-debt small-claims commencement, service, appearance/answer, default, and necessary merits-proof gateway
Inside: Wisconsin ordinary consumer money-debt small-claims commencement, service, appearance/answer, default, and necessary merits-proof gateway · Categories that must remain separate · 2. Future threshold
Wisconsin small-claims motion to reopen or vacate an ordinary consumer money-debt judgment
Inside: Wisconsin small-claims motion to reopen or vacate an ordinary consumer money-debt judgment · 1. Chapter 799 controls the special small-claims route · 2. Ordinary motion under §799.29
Wisconsin arbitration-award confirmation, vacatur, modification, and judgment gateway
Inside: Wisconsin arbitration-award confirmation, vacatur, modification, and judgment gateway · The four principal Wisconsin stages · A court does not conduct an ordinary appeal from the award
Bounded citation-status correction to
Inside: Bounded citation-status correction to PASS-17 · 1. Citation rule and currentness boundary · Operative distinction established by the sources read
Bounded citation-status and claim-traceability repair to
Inside: Bounded citation-status and claim-traceability repair to PASS-18 · 2.1 Replacement source status: S_WI-P18-S024 · 2.2 The Milwaukee Police source gap
Wisconsin ordinary-civil default-judgment relief under §806.07
Inside: Wisconsin ordinary-civil default-judgment relief under §806.07 · 2.1 What kind of default is involved? · 2.2 Who can seek relief?
Narrow supplement: the 1979 Milwaukee Police confirmation-response holding
Inside: Narrow supplement: the 1979 Milwaukee Police confirmation-response holding · 2.1 Majority holding at pages 164–65 · 2.2 Actual procedural context
Motion-made, hearing-notice computation, electronic-service qualifications, and Mikrut date correction
Inside: Motion-made, hearing-notice computation, electronic-service qualifications, and Mikrut date correction · 1.1 The central current-primary gap is not closed · 1.2 Limited primary electronic-filing support was obtained
SWY Wyoming provider market access and consumer fees
Inside: Bottom-line determination · Executive classification matrix · 1. Definition and classification of covered conduct
Wyoming agreements, disclosures, authority, and cancellation
Inside: Wyoming agreements, disclosures, authority, and cancellation · Principal conclusions · A1. Classify the actor and activity before selecting agreement language
Wyoming funds, custody, accounts, remittance, and return
Inside: Wyoming funds, custody, accounts, remittance, and return · Principal findings · 1. Actor, activity, purpose, nexus, and funds flow
Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority
Inside: Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority · 1. Which branches actually carry financial-assurance requirements? · 1.1 Classification remains the first gate
SDC — District of Columbia
Inside: Initial controlling findings · 1. Definitions and business-model classification · 2. Prohibition, licensing, registration, and exemptions
SDC — District of Columbia
Inside: 1.1 The affirmative provider framework exists · 1.2 Commercial debt settlement is strongly, but not finally judicially, within that framework · 1.3 DISB is the current administering regulator
P02 audit-trail repairs and remaining public CCSO procedure/rule gaps
Inside: P02 audit-trail repairs and remaining public CCSO procedure/rule gaps · 1.1 Before-and-after correction map · A. Current CCSO statement, checklist, renewal form, and submission instructions
Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure
Inside: Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure · 2.1 The governing sequence · Mandatory Chapter 46 document checks
JPR Puerto Rico provider market access and consumer fees
Inside: How to read the registers · Issuing authority and exceptions · Territorial and entity gateways
United States Virgin Islands: Debt-relief provider regulation and applicability
Inside: United States Virgin Islands: Debt-relief provider regulation and applicability · Principal finding · 1. Jurisdiction and source-authority map
Debt-relief provider regulation and applicability gateways
Inside: Debt-relief provider regulation and applicability gateways · 1. Guam jurisdiction and source-authority map · Currentness finding
Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards
Inside: Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards · Executive determination · Important source-access qualification
England and Wales: debt-adjusting and debt-counselling providers
Inside: England and Wales: debt-adjusting and debt-counselling providers · 1. Substantive findings · A. What activity requires permission?
Independent paid-provider classification and authorisation gateway
Inside: 1. Principal findings · 2. A — Operative FSMA/RAO perimeter · A1. Activity classification
CNI Northern Ireland
Inside: A. Operative paid-service perimeter · B. Actor-role and exclusion matrix · C. Permission, registration and gateway safeguards
Independent provider perimeter and authorisation research
Inside: Principal determination · Particularly important 2026 currentness correction · A. Operative perimeter, definitions and commencement
CIE Ireland traceability corrections
Inside: 1. Complete replacement text — all six groups · Group 1 — C4 industry-funding formula paragraph · Group 2 — C4 evidence-limit paragraph
Independent provider-perimeter and authorization investigation
Inside: Principal determination · A. Debtor-paid services: operative legal perimeter · A1. The particular Code de la consommation prohibition
CNL Netherlands
Inside: Principal findings · A. The operative debtor-side test · An important consequence boundary
CNL Netherlands Wck text reconciliation
Inside: 1. Findings — G1 and G2 · G1.1 — Operative definition of krediettransactie: bounded reconstruction · G1.2 — Article 47: prohibition and schuldbemiddeling
CZA South Africa
Inside: 1. Principal findings · 1.1 South Africa has distinct legal categories that must not be combined · 1.3 Publication holds already established
CZA South Africa
Inside: Focused finding: 2019 debt-intervention commencement and implementation · Verification window and result · G1 — Enactment, commencement and transitional status
CZA South Africa
Inside: Narrow correction: §87A suspension duration · 1. Finding and exact replacement sentence · 2. Narrow statutory reading
South Africa: continuation of consumer debt-counseling fee research
Inside: C_ZA PASS-05 — continuation from the preserved P04 stopping point · 7. Controlling authority: the crucial distinction is statutory prescription versus NCR guidance · 8. Recovered 2018 fee cells and exact stage conditions
CZA South Africa
Inside: Ordinary NCA debt-review payment-distribution agents: client money, trust accounts and reconciliation · G1. Registration and who may control the money · G2. What the enacted client-money requirements say
CZA South Africa
Inside: Ordinary NCA debt-counsellor fees: currentness, incorporation and final-adoption chain · G1.1 What Circular 01 adds to the P05 finding · G1.2 What Circular 01 does not establish
CZA South Africa
Inside: General consumer-service contract, disclosure, cancellation and refund gateway · G1.1 The hypothetical service may be a CPA “service” · G1.3 Natural consumers, juristic consumers and business purpose
CZA four bounded consistency repairs
Inside: Repair 1 — aftercare source linkage · Replacement for C_ZA-P07-C021 · Repair 2 — exact 2025/26 annual-report gap reference
CZA South Africa
Inside: Generic NCR consumer complaint, investigation and public-enforcement/NCT gateway for ordinary debt-counselling conduct · Focused disposition · G1.1 Who may complain
CZA South Africa
Inside: Three bounded qualification and traceability repairs to reviewed P08 · Focused disposition · R1 — CPA §14(1): both parties must be juristic persons
CZA South Africa
Inside: Ordinary unsecured private consumer-debt prescription gateway · Principal disposition · G1.1 Current statutory architecture and currentness
CZA South Africa
Inside: NCA agreement, applicability and debt-type classification gateway · Principal disposition · G1.1 Source edition, amendment and commencement
CZA South Africa
Inside: Three bounded repairs to P12, plus count and link consistency · Focused disposition · Replacement for P12 G2.2 — acknowledgment during negotiations
CZA South Africa
Inside: National credit-reporting, debt-review clearance and correction gateway · Principal disposition · G1.1 Source chain and currentness
CZA South Africa
Inside: Narrow Magistrates’ Court administration-order gateway · Principal disposition · G1.1 Current statute and source limitations
CZA South Africa
Inside: Natural-person voluntary surrender of an estate: national statutory gateway · G1.1 What voluntary surrender is · Deceased-estate boundary
CZA South Africa
Inside: Creditor-initiated sequestration of a natural person: application, provisional order and final-order gateway · Principal findings · Primary anchors
CZA South Africa
Inside: Voluntary surrender: High Court jurisdiction, Master-report procedure and publication directions · Focused disposition · Primary amendment
CZA South Africa
Inside: Section 9 qualifying-claim thresholds and monetary continuity · 1.1 Single-creditor R100: fresh primary judicial confirmation · 1.2 Statutory conversion rule found—not merely historical commentary
CZA South Africa
Inside: Insolvency Act §149: primary jurisdiction text, amendment chain and foreign-designation boundary · Fresh primary judicial text · 1.1 The alternatives and their different dates
CZA narrow correction to P21
Inside: 1. Replacement for P21 §II.2.2’s §2(3) paragraph · 2. Replacement atomic claim · 4. Effect on workflow and model references
Singapore: Provider classification and authorization gateways
Inside: Principal determination · A. Paid activities, debt perimeter, and legal gateways · A1. Activity-by-activity classification
Brazil: provider perimeter and authorization gateways
Inside: Executive determination · A–C. Substantive legal perimeter · A. The controlling distinction is the activity, not the business label
Brazil: bank-correspondent versus debtor-agent rule-body research
Inside: Principal finding · G1. Current rule-body reconciliation · Original regulation, amendment and commencement crosswalk
Brazil: PASS-02 source-access provenance correction
Inside: G1. Exact reusable replacement paragraph · Exact replacement paragraph · A. Source-register introductory paragraph
Brazil: consumer-service fees, contracts, cancellation and refund framework
Inside: Executive determination · G1. Applicability, contract formation and disclosures · 1. Which engagements fall within the CDC?
Brazil: private consumer-debt limitation and prescription
Inside: Executive determination · G1.1 Period-selection matrix · Narrow classification rule
Brazil: negative credit-register entries, notice, duration and correction
Inside: G1.1 Covered data and excluded systems · G1.2 Actors and their distinct duties · G1.3 Consumer and business classifications
Brazil: positive credit history and Cadastro Positivo
Inside: G1.1 Operative law and amendment timeline · G1.2 Actor matrix · G1.3 Natural persons, legal persons and territorial limits
Brazil: LGPD data roles, legal bases and data-subject rights
Inside: G1.1 Currentness and commencement crosswalk · Anonymization boundary · G1.3 Territorial triggers and exclusions
Ordinary private civil repayment, consensual settlement, payment allocation, receipt and release gateway
Inside: Ordinary private civil repayment, consensual settlement, payment allocation, receipt and release gateway · G1.1 Current law and narrow currentness · G1.2 Legal classification matrix
Ordinary consumer debt-collection communications and conduct
Inside: Ordinary consumer debt-collection communications and conduct · G1.1 Consumer and supplier nexus · G1.2 Actor matrix
Two bounded corrections to reviewed positive-history research
Inside: Two bounded corrections to reviewed PASS-07 positive-history research · 1.1 Exact operative provision · Correction determination
One bounded provenance-only repair to
Inside: One bounded provenance-only repair to PASS-11 · Final provenance disposition
Ordinary civil assignment, ownership, debtor notice, defenses and creditor/payment-recipient authority
Inside: Ordinary civil assignment, ownership, debtor notice, defenses and creditor/payment-recipient authority · G1.1 Controlling bodies and commencement · G1.2 What ordinary assignment does
Ordinary civil transaction validity, nullity and annulability gateway
Inside: Ordinary civil transaction validity, nullity and annulability gateway · G1.1 Currentness and operative-text crosswalk · G1.2 Current capacity rules
Bounded P13 payment-recipient qualification and source/claim/count traceability repair
Inside: Bounded P13 payment-recipient qualification and source/claim/count traceability repair · R1.1 Replacement for the affected portion of P13 G2.6 · Creditor or rightful representative — art. 308
Ordinary civil surety (fiança) and solidary/joint-obligation gateway
Inside: Ordinary civil surety (fiança) and solidary/joint-obligation gateway · G1.1 Current federal bodies · G1.2 Merely joint/divided versus solidary obligations
Bounded P14 atomic-predicate, commencement-traceability and count-unit repair
Inside: Bounded P14 atomic-predicate, commencement-traceability and count-unit repair · Replacement C_BR-P14-C006 · Replacement C_BR-P14-C027
Ordinary civil commencement and service-of-process gateway
Inside: Ordinary civil commencement and service-of-process gateway · Principal findings · 1.1 Amendment and commencement crosswalk
Ordinary civil revelia and ensuing merits-judgment gateway
Inside: Ordinary civil revelia and ensuing merits-judgment gateway · 1.1 Current CPC and temporal boundaries · 1.2 Preconditions, not a service rerun
Ordinary civil apelação from a first-instance sentence
Inside: Ordinary civil apelação from a first-instance sentence · 1.1 Principal operative body · 1.2 Material amendment crosswalk
Ordinary civil embargos de declaração: clarification, correction and limited modifying effects
Inside: Ordinary civil embargos de declaração: clarification, correction and limited modifying effects · 1.1 Operative text and commencement · 1.2 Material currentness checks
Ordinary civil agravo de instrumento and interlocutory-review gateway
Inside: Ordinary civil agravo de instrumento and interlocutory-review gateway · 1.1 Statute and commencement · 1.2 Material amendment/status crosswalk
Ordinary civil agravo interno against a relator’s monocratic decision
Inside: Ordinary civil agravo interno against a relator’s monocratic decision · Principal determination · Material source limitations