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Topic: Arrears

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	Arrears Mortgages
		Borrowers with a history of mortgage arrears will find it harder to get new mortgages with their current lender or a new lender in the future.
		Payment made after it is due is in arrears.
		Interest is said to be paid in arrears since it is paid to the date of payment rather than in advance.
	www.beaconmortgagesolutions.com /Displays/Display_40.asp (307 words)

	Developing State Policy on the Payment of Child Support Arrears
		If the arrears are owed to the custodial parent, there is near universal agreement that she should be the one who decides whether the arrears should be partially or wholly forgiven.
		If the arrears are owed to the state under a public assistance assignment, however, there is some disagreement about whether or not the custodial parent should be consulted on the compromise of state-owed arrears or whether the decision is wholly up to the state.
		Arrears that accumulated after the order was established and were payable during a period of time in which the obligated parent had the ability to pay but failed to do so.
	www.ancpr.org /developing_state_policy_on_the_p.htm (3823 words)

	Managing Child Support Arrears, A Discussion Framework
		The general consensus is that arrears are best avoided if States: (1) limit the number of default orders and establish equitable obligations; (2) limit the amount of built-in arrears at the time of order establishment; and (3) immediately intervene when current payments are not made.
		The average arrears case is 7 years old and has an arrears balance of $14,000.
		It is this kind of sobering arrears analysis that may in fact be the requisite first step any jurisdiction needs to take before reaching consequential conclusions concerning arrears-related causes and solutions.
	www.acf.hhs.gov /programs/cse/pubs/2003/reports/arrears (10703 words)

	ACTRAV INFORMATION NOTE ON WAGE ARREARS IN RUSSIA - Worker's activities (Site not responding. Last check: 2007-10-28)
		Arrears to budgets and extra-budget funds were 5% of GDP at the beginning of 1996 and 9% at the end of 1996.
		Arrears to suppliers were 8% of GDP at the beginning and 11% at the end of 1996.
		In industry, wage arrears per employee were 1.3 million roubles, in construction 1.0 million roubles, in agriculture 615,000 roubles and in transport 741,000 roubles.
	www.ilo.org /public/english/dialogue/actrav/papers/russia.htm (3318 words)

	Rent arrears amongst social tenants: reasons and responses
		Unsurprisingly, none of the tenants interviewed reported that their arrears were a deliberate strategy to avoid any payment of rent, while landlords felt that this accounted for only a relatively small proportion of cases.
		There were a number of reasons for the earlier interventions reported: a concern to minimise the incidence of arrears; to limit the size of arrears; to achieve tighter control of housing officers and their arrears management; and as a response to the changes in housing benefit.
		The majority of landlords still used generic housing officers for their arrears management, although a small number of innovative schemes were emerging, such as the use of mobile housing officers and the adoption of housing officers with more specialised roles focusing primarily on arrears recovery.
	www.jrf.org.uk /knowledge/findings/housing/hrd18.asp (1712 words)

	Arrears
		Arrears is the term we use for money you have failed to pay us.
		If you continue to be in arrears we will issue you with a 'Notice Seeking Possession' (for Secure Tenants) or a 'Notice of Proceedings for Possession' (for Introductory Tenants).
		We will take legal action against you if you do not keep to a repayment agreement you have made with us and you continue to be in arrears with your rent and service charges, either for your existing home or for an Oxford City Council home you lived in before.
	tenantshandbook.oxford.gov.uk /oxfordtenancy/arrears.htm (969 words)

	Mortgage Arrears What Should You Do (Site not responding. Last check: 2007-10-28)
		I am in arrears with my mortgage but can afford a little extra payment each month.
		The first step is to consider how you are going to clear the arrears in addition to maintaining your normal monthly repayments to the mortgage company.
		Capitalisation means that the arrears are added to the outstanding balance of the mortgage and a new monthly repayment is calculated.
	www.debtquestions.co.uk /prob_mortgagearrears.php (463 words)

	Bank of Ireland - About Us - IBF Codes - Code of Practice on Mortgage Arrears (Site not responding. Last check: 2007-10-28)
		As soon as an arrears situation develops, the lender will communicate promptly and clearly with the borrower to establish in the first instance why the repayment schedule has not been adhered to and, secondly, how the situation may be rectified.
		An arrangement on arrears could be entered into whereby the amount of monthly repayment may be changed, as appropriate, to help address the arrears situation.
		Capitalising the arrears and interest could arise where there is insufficient capacity over the short term to clear the arrears but where repayment capacity exists to repay the capitalised balance over the remaining term of the mortgage.
	www.bankofireland.ie /html/gws/about_us/guidelines_standards/codes/General_Content_1000075.html (1248 words)

	0603: Standard Deductions in Arrears Support
		For this example, the employee's arrears amount for a uniform deduction is $25.00.
		The permanent amount is $5.00 and the arrears amount is limited to 2 times the permanent amount, that is; $10.00.
		The limit factor governs the arrears amount that is allowed to be taken.
	www.ceridian.com /myceridian/support/files/faxdocs/pr/2006_payroll_news_bulletins/bulletin_06_03/standard_deductions_in_arrears__dia__support/0603_standard_deductions_in_arrears_support.htm (1080 words)

	Rent arrears
		If the arrears are not cleared or you do not contact us or if you fail to keep an arrangement made, we will send you another reminder letter.
		In Court, we have to prove to the Sheriff that there are arrears of rent due and that we have acted reasonably when we made the decision to take you to Court.
		If you have arrears of rent and we have taken you to Court in the last 12 months, you will be treated differently.
	www.highland.gov.uk /livinghere/housing/councilhousetenancies/rentarrears (984 words)

	City of Toronto: Property Tax Arrears
		Once a residential property has taxes outstanding for approximately 1½ years in the amount of $100 or more, the account is issued to a bailiff.
		The Director, Revenue Services is required to summit a public report to Administration Committee on a semi-annual basis identifying those properties with tax arrears of $500,000 or more, that are owned by a corporation.
		The debtor has one year from the date of registration of a Tax Arrears Certificate on title of the property to pay the cancellation price (which includes all of the taxes levied and outstanding, all accrued penalty/interest and costs).
	www.toronto.ca /taxes/taxarrears.htm (1007 words)

	Council Tax Arrears \| Payplan (Site not responding. Last check: 2007-10-28)
		Offer the amount you can afford towards your arrears on top of your normal payments, and ask for a special payment arrangement: explain that the amount you are offering will prevent any further arrears and court costs.
		If you do not have any means to pay the arrears you should contact the local authority as they now have the power to write off some or all the arrears where they believe the tax payer is in hardship and has no means by which to pay.
		You do not have to attend but if the arrears are due to an inability to pay it is a good idea to go to the hearing and explain your circumstances to the magistrate.
	www.payplan.com /debt-library/utility-bills-council-tax.php (1214 words)

	Improving the Effectiveness of Rent Arrears Management - Communities and Local Government (Site not responding. Last check: 2007-10-28)
		Where tenants are in arrears, they should be notified of this as soon as possible and contact with these tenants should take place.
		A number of tenants felt that the arrears were allowed to 'develop too far' before they were informed of the situation.
		It is important that IT systems which generate standard letters for arrears should be balanced by the ability of staff to tailor responses to individual cases.
	www.communities.gov.uk /index.asp?id=1153725 (2995 words)

	New approaches to child support arrears
		Federal policy distinguishes between arrears owed to the custodial parent and arrears owed to the state for repayment of public assistance.
		Approximately one-half of the states interviewed allow for debt compromise of state-assigned arrears when it is "in the best interest of the state," or have an informal policy of forgiving a portion of arrears when circumstances warrant it, such as a lump-sum payment.
		While it is important for states to explore pragmatic approaches to the mounting child support arrears balances, administrators are mindful that states cannot create perverse incentives that have the effect of discouraging responsible behavior.
	ancpr.org /new_approaches_to_child_support_.htm (3184 words)

	JP Boyd's BC Family Law Resource: Child Support > Arrears of Support
		Nevertheless, it is possible for the payor to have his or her arrears reduced and, sometimes, cancelled.
		Arrears that have accumulated under a family agreement are essentially debts owing as a result of a contractual obligation to provide support.
		of reducing arrears, you must be prepared to prove that it would be grossly unfair for you to pay the arrears, and you must be prepared to address the criteria set out in s.
	www.bcfamilylawresource.com /04/0404body.htm (1806 words)

	The Child Support (Arrears, Interest and Adjustment of Maintenance Assessments) Regulations 1992
		(2) An arrears agreement shall specify the dates on which the payments of arrears shall be made and the amount to be paid on each such date.
		(6) Where the terms of any arrears agreement are not adhered to by an absent parent, interest shall be payable with respect to arrears in accordance with the provisions of regulation 3.
		—(1) Payments of interest with respect to arrears shall be made in accordance with regulations under section 29 of the Act as though they were payments of child support maintenance payable in accordance with a maintenance assessment, and shall be made within 14 days of being demanded by the Secretary of State.
	www.opsi.gov.uk /si/si1992/Uksi_19921816_en_3.htm (817 words)

	Arrears Mortgage Quote.co.uk - Help For Mortgages In Arrears
		It is also worth bearing in mind that it does not have to be a mortgage debt that puts a property at risk.
		For example, a debt consolidation loan that is secured on a property offers a better interest rate, but the danger still exists that the property will be taken if the debt cannot be met.
		If you suspect that you are about to fall into arrears with your mortgage, act fast and plan ahead.
	www.arrearsmortgagequote.co.uk (253 words)

	Payroll Maximum Arrears Payback Procedures (Site not responding. Last check: 2007-10-28)
		The Maximum Arrears Payback is used to split an existing arrearage so that the collection is made over several pay periods.
		Once a Maximum Arrears Payback is set up for a specific code for a specific employee, that Maximum amount will remain in place until removed by the agency.
		The DA-179, Maximum Arrears Payback, and the corresponding page in SHARP are not to be used to establish an arrearage.
	www.da.ks.gov /ar/payroll/payback.htm (819 words)

	The Guide: 3.5.4: Orders dealing with arrears - CSA Australia
		CSA sometimes receives court orders and agreements which provide for payment of arrears and set out a schedule for payment, or they provide for payment of arrears which relate to a period before registration, or they vary an earlier order by reinstating arrears which were previously discharged.
		Where the arrears amount specified in the order relates to both the pre- and post-registration periods, CSA must ignore any variation to arrears for the pre-registration period.
		If the court specifies the period to which the arrears amount relates, CSA will act on that basis in apportioning the arrears to the pre and post-registration periods.
	www.csa.gov.au /guide/3_5_4.htm (690 words)

	USA: UN Arrears
		Remove conditions on arrears that can't be met by the United Nations Secretariat.
		The current funding for arrears requires all conditions to be met or else funding is withheld, even if negotiations are on-going with other nations.
		The arrears payment scheduled should be accelerated to two years, not three years.
	www.africaaction.org /docs97/un9707.htm (1491 words)

	Water Arrears \| Payplan (Site not responding. Last check: 2007-10-28)
		Once you are in arrears with your payments you will be sent either a "reminder" or a "final notice", which gives you seven days to pay.
		If you are paying off arrears on your water bill and you receive another bill, the water company must follow the same procedure to recover any arrears on the second bill.
		If you are not disputing liability for the amount of the arrears (you are admitting that you owe the money), you should draw up a personal budget (Use our Debt Calculator) to work out what you can afford to pay towards the arrears.
	www.payplan.com /debt-library/utility-bills-water.php (809 words)

	Arrears - Wikipedia, the free encyclopedia
		Arrears, or arrearages is a legal term for the type of debt accrued after missing an expected payment.
		Arrears accrue from the date upon the first missed payment.
		"As an employee of __________ (Company Name), you are paid one month in arrears."
	en.wikipedia.org /wiki/Arrears (244 words)

	Tenants Union- Tenants Rights Manual: Rent arrears (Site not responding. Last check: 2007-10-28)
		If a mistake has been made, demand any reference to the alleged arrears be taken off your file and confirmed in writing.
		If you are negotiating to pay off rent arrears with the landlord be realistic about what you can afford.
		The fact that you have paid your rent arrears does not mean the landlord will withdraw the termination notice.
	www.tenants.org.au /resources/tenants_rights/tenants_rights-Rent-2.html (553 words)

	Rent arrears (Site not responding. Last check: 2007-10-28)
		If negotiations with your landlord have failed and your arrears have increased, your landlord will eventually take the case to the County Court and request a possession order so that your property and the arrears you owe can be recovered.
		Even at this stage it may be possible to negotiate repayment of the arrears.
		You can also outline any proposal for repayment of the debt, which you wish to put to the court to repay the arrears, which is reasonable given your particular financial circumstances.
	www.walsall.gov.uk /rent_arrears.htm (1354 words)

	New Deduction Codes for Union Dues Arrears
		The new arrears codes will enable compensation advisors to collect union dues for previous periods where the employee was under a different bargaining unit.
		The profile for each arrears deduction code listed in Section 3.1 is the same as that of the current deduction code for each bargaining agent.
		Union dues arrears deductions are to be input using the online Deductions Arrears (DAR) screen with a rate base of "6" (monthly), and will be collected from the second pay of the month.
	www.pwgsc.gc.ca /compensation/cd/cd-2004-016-e.html (455 words)

	Arrears \| English \| Dictionary & Translation by Babylon
		The same word is used to describe child or spousal maintenance or support which is not paid by the due date.
		A debt that is not paid on the due date accumulates as 'arrears'.
		Also used to describe child or spousal maintenance or support which is not paid by the due date.
	www.babylon.com /definition/Arrears/English (245 words)

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