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Credit Advice - Remember that; although a divorce decree states who will pay debts, creditors can still hold both spouses liable for repayment. Before your divorce, if you have the ability it may be best for you to payoff debts in full, then get the divorce judge to make your spouse repay you. That way you know there won't be delinquent or defaulted debts that can drag down your credit score, too. If your ex-spouse defaulted on debts that are being reported on your credit report, keep a certified copy of your divorce decree with you and present it to creditors whenever you apply for new credit.


Don't close old or unused accounts. Credit scores are based on several factors, including the length of credit history. The older your credit lines (credit card and loan accounts), the better your score will be. So keep idle accounts open to protect the age of your credit.

  

Search online to claim bank unclaimed funds, assets and other lost or forgotten property. There are millions in unclaimed money.

     

     

 
All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

Free Grant Opportunities Search

  • Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.

  • Search by a variety of categories of funding activities.

  • Search from a list of agencies offering grant opportunities.

  • Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.

  • Search for Recovery Act Opportunities.

  

   

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ALABAMA Unclaimed Money Unclaimed Money
State Treasury
Unclaimed Property Division
P.O. Box 302520
Montgomery, AL 36130-2520
Phone No. (888) 844-8400
Fax No. (334) 242-9620

ALASKA Unclaimed Money
Unclaimed Property
PO Box 110420
Juneau, AK 99811-0420
Phone: 907.465.3726
Fax: 907.465.2394

ARIZONA Unclaimed Money
Department of Revenue
Unclaimed Property Unit Site Code 604
P.O. Box 29026
Phoenix, AZ 85038-9026
Phone No. 602-364-0380
Fax No. 602-542-2089

ARKANSAS Unclaimed Money
Unclaimed Property Division
Auditor of State
1400 W. 3rd St., Suite 100
Little Rock, AR 72201-1811
Phone No. 1-800-252-4648
Phone No. 501-682-6000
Fax No. (501) 682-6005

CALIFORNIA Unclaimed Money
State Controller Steve Westly
Division of Collections - Bureau of Unclaimed Property
3301 C Street, Suite 712
P.O. Box 942850
Sacramento, CA 94250-5873
Phone No. (916) 323-2827
Phone No. 1-800-992-4647
Fax No. (916) 323-2851

COLORADO Unclaimed Money
The Great Colorado Payback Office
1120 Lincoln Street
Suite 1004
Denver, CO 80203
Phone No. (303) 894-2443
Phone No . (800) 825-2111
Fax No. (303) 894-2351
Email: greatcopayback@qwest.net

CONNECTICUT Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
PO Box 5065
Hartford, CT 06102
Phone No. (800) 833-7318
Fax No. (860) 702-3044

DELAWARE Unclaimed Money
Bureau of Abandoned Property
P.O. Box 8931
Wilmington, DE 19899
Phone No. (302) 577-8205
Fax No. (302) 577-8656

DISTRICT OF COLUMBIA Unclaimed Money
Office of Finance & Treasury
Unclaimed Property Unit
810 1st Street NE, Room 401
Washington, DC 20002
Phone No. (202) 442-8181
Fax No. (202) 442-8180
Email: DCUnclaimed.Property@dc.gov

FLORIDA Unclaimed Money
Department of Financial Services
Tom Gallagher, Chief Financial Officer
200 E. Gaines Street
Tallahassee, FL 32399-0358
Phone No. (850) 410-9253
Fax No. (850)410-9728
Phone No. FL only 1-888-258-2253
Email: funclaim@dfs.state.fl.us

GEORGIA Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490
Fax No. (404) 968-0772
Email: ucpmail@gatax.org

HAWAII Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490
Fax No. (404) 968-0772
Email: ucpmail@gatax.org

IDAHO Unclaimed Money
Idaho State Tax Commission
Unclaimed Property Section
P.O. Box 36
Boise, ID 83722-0410
Phone No. (208) 334-7623
Phone No. (800) 972-7660 Ext. 7627
Fax No. (208) 364-7392

ILLINOIS Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
PO Box 19495
Springfield, IL 62794-9495
Phone No. (217) 785-6992
Fax No. (217) 557-5871

INDIANA Unclaimed Money
Attorney General's Office
Unclaimed Property Division
402 W. Washington, Ste. C-531
Indianapolis, IN 46204
Phone No. (317) 232-6348
Fax No. (317) 232-7979
Email: UPD@atg.state.in.us

IOWA Unclaimed Money
Michael L. Fitzgerald, State Treasurer
The Great Iowa Treasure Hunt
Lucas State Office Building
321 East 12th Street
1st Floor
Des Moines, IA 50319
Phone No. (515) 281-5367
Fax No. (515) 242-6962
Email: foundit@tos.state.ia.us

KANSAS Unclaimed Money
State Treasurer
Unclaimed Property Division
900 Jackson Suite 201
Topeka, KS 66612-1235
Phone No. (785) 296-4165
Fax No. (785) 296-7950
Email: Unclaimed@treasurer.state.ks.us

KENTUCKY Unclaimed Money
Treasury of Kentucky
Unclaimed Property Division
Capitol Annex, Suite 183
Frankfort, KY 40601
Phone No. (800) 465-4722
Fax No. (502) 564-4200
Email: Unclaimed.property@mail.state.ky.us

LOUISIANA Unclaimed Money
State Treasurer
Unclaimed Property Division
P.O. Box 91010
Baton Rouge, LA 70821
Phone No. 225-219-9400
Fax No. (225) 342-0046

MAINE Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
39 State House Station
Augusta, ME 04333-0039
Phone No. (207) 624-7470
Phone No. (888) 283-2808 (ME only)
Fax No. (207) 287-6842
Email: unclaimed.property@Maine.gov

MARYLAND Unclaimed Money
Unclaimed Property Unit
301 W. Preston Street
Baltimore, MD 21201-2385
Phone No. (800) 782-7383
Phone No. (410) 767-1700
Fax No. (410) 333-7150
Email: unclaim@comp.state.md.us

MASSACHUSETTS Unclaimed Money
Dept of the State Treasurer
Commonwealth of Massachusetts
Abandoned Property Division
1 Ashburton Place, 12th Floor
Boston, MA 02108
Phone No. (617) 367-0400
Fax No. (617) 248-3944

MICHIGAN Unclaimed Money
Department of Treasury
Unclaimed Property Division
PO Box 30756
Lansing, MI 48922
Phone No. (517) 636-5320
Fax No. (517) 636-5324

MINNESOTA Unclaimed Money
Minnesota Department of Commerce
Unclaimed Property Division
85 7th Place East, Suite 500
St. Paul, MN 55101-3165
Phone No. 651-296-2568
Phone No. 800-925-5668 (MN only)
Fax No. 651-284-4108
Email: unclaimed.property@state.mn.us

MISSISSIPPI Unclaimed Money
Treasury Department
Unclaimed Property Division
P.O. Box 138
Jackson, MS 39205-0138
Phone No. (601) 359-3600
Fax No. (601) 359-2001

MISSOURI Unclaimed Money
State Treasurer's Office
Unclaimed Property Section
P.O. Box 1272
Jefferson City, MO 65102
Phone No. (573) 751-2411
Fax No. (573) 751-9443
Email: treasurer@treasurer.mo.gov

MONTANA Unclaimed Money
Department of Revenue
ATTN: Unclaimed Property
P.O. Box 5805
Helena, MT 59604-5805
Phone No. (406) 444-6900
Fax No. (406) 444-0722
Email: dspurlock@state.mt.us

NEBRASKA Unclaimed Money
Unclaimed Property Division
P.O. Box 94788
Lincoln, NE 68509
Phone No. (402) 471-2455
Fax No. (402) 471-4390
Email: info@treasurer.org

NEVADA Unclaimed Money
Office of the State Treasurer
Unclaimed Property Division
555 E Washington Avenue
Suite 4200
Las Vegas, NV 89101-1070
Phone No. (702) 486-4140
Fax No. (702) 486-4177
Email: unclaimed@NevadaTreasurer.com

NEW HAMPSHIRE Unclaimed Money
Treasury Department
Unclaimed Property Division
25 Capitol Street , Room 121
Concord , NH 03301
Phone No. (603) 271-2619
Fax No. (603) 271-3922
Email: ap@treasury.state.nh.us

NEW JERSEY Unclaimed Money
Unclaimed Property
P.O. Box 214
Trenton, NJ 08695-0214
Attn: Claims Section
Phone No. (609) 292-6400
Fax No. (609) 984-0593
Email: taxation@tax.state.nj.us

NEW MEXICO Unclaimed Money
Taxation & Revenue Department
Unclaimed Property Division
P.O. Box 25123
Santa Fe, NM 87504-5123
Phone No. (505) 827-0767
Fax No. (505) 827-1759
Email: poffice@state.nm.us

NEW YORK Unclaimed Money
State Comptroller
Office of Unclaimed Funds
110 State Street
Albany, NY 12236
Phone No. (518) 270-2200
Phone No. (800) 221-9311 (NY only)
Fax No. (518) 473-2177

NORTH CAROLINA Unclaimed Money
Department of State Treasurer
Esheat & Unclaimed Property
325 North Salisbury Street
Raleigh, NC 27603-1385
Phone No. (919) 508-5176
Fax No. (919) 508-5167
Email: unclaimed.property@treasurer.state.nc.us

NORTH DAKOTA Unclaimed Money
State Land Department
Unclaimed Property Division
P.O. Box 5523
Bismarck, ND 58506-5523
Phone No. (701) 328-2800
Fax No. (701) 328-3650
Email: llfisher@state.nd.us

OHIO Unclaimed Money
Department of Commerce
Division of Unclaimed Funds
77 South High Street - 20th FL
Columbus, OH 43215-6108
Phone No. (614) 466-4433
Fax No. (614) 752-5078
Email: unfd.claims@com.state.oh.us

OKLAHOMA Unclaimed Money
Oklahoma State Treasurer's Office
Unclaimed Property Division
4545 North Lincoln Boulevard, Suite 106
Oklahoma City, OK 73105-3413
Phone No. (405) 521-4275
Fax No. (405) 521-2146
Email: Unclaimed @treas.state.ok.us

OREGON Unclaimed Money
Department of State Lands
Trust Property Section
775 Summer Street NE Suite 100
Salem, OR 97301-1279
Phone No. (503) 378-3805
Fax No. (503) 378-4844
Email: claims@dsl.state.or.us

PENNSYLVANIA Unclaimed Money
State Treasurer Barbara Hafer
Unclaimed Property Division
P.O. Box 1837
Harrisburg, PA 17105-1837
Phone No. (800) 222-2046
Fax No. (717) 787-9079

RHODE ISLAND Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 1435
Providence, RI 02901-1435
Phone No. (401) 222-6505
Fax No. (401) 274-3865
Email: treasury@treasury.state.ri.us

SOUTH CAROLINA Unclaimed Money
Unclaimed Property Program
State Treasurerís Office
PO Box 11778
Columbia, SC 29211-1778
Phone No. (803) 737-4771
Fax No. (803) 734-2668
Email: payback@sto.state.sc.us
SOUTH DAKOTA Unclaimed Money
Office of the State Treasurer
Unclaimed Property
500 E Capitol Ave.
Pierre, SD 57501-5070
Phone No. (605) 773-3379
Fax No. (605) 773-3115
Email: unclaimed@sdtreasurer.com

TENNESSEE Unclaimed Money
Unclaimed Property Division
9th Fl, Andrew Jackson State Office Bld
Nashville, TN 37243
Phone No. (615) 741-6499
Fax No. (615) 734-6458
Email: UCP.Information@state.tn.us

TEXAS Unclaimed Money
Texas Comptroller of Public Accounts
Unclaimed Property Division
P.O. Box 12019
Austin, TX 78711-2019
Phone No. 1-800-564-3463
Fax No. (512) 936-6224
Email: unclaimed.property@cpa.state.tx.us

UTAH Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
341 South Main St., 5th Floor
Salt Lake City, UT 84111
Phone No. (801) 320-5360
Phone No. (888) 217-1203
Fax No. (801) 533-4096

VERMONT Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
133 State Street
Montpelier, VT 05633-6200
Phone No. (802) 828-2407
Fax No. (802) 828-2772

VIRGINIA Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 2478
Richmond, VA 23218-2478
Phone No. (800) 468-1088
Phone No. (804) 225-2142
Fax No. (804) 786-4653
Email: ucpmail@trs.state.va.us

WASHINGTON Unclaimed Money
Department of Revenue
Unclaimed Property Section
PO Box 47477
Olympia, WA 98504-7477
Phone No. (360) 586-2311
Phone No. 800-435-2429 (WA only)
Fax No. (360) 586-2163

WEST VIRGINIA Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
One Players Club Drive
Charleston, WV 25305
Phone No. (800) 642-8687
Fax No. (304) 558-4835

WISCONSIN Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
P.O. Box 2114
Madison, WI 53701-2114
Phone No. (608) 267-7977
Fax No. (608) 261-6799
Email: unclaim@ost.state.wi.us

WYOMING Unclaimed Money
Unclaimed Property
2515 Warren Avenue, Suite 502
Cheyenne, WY 82002
Phone No. (307) 777-5590
Fax No. (307) 777-5430
Email: wyomingup@state.wy.us

 

NCUA provides a list of members who have unclaimed shares.
You may browse the entire list by pressing the Search button or search by certain criteria. If you find your name and believe we may be holding funds for you please follow the instructions below.

 

Why does NCUA have unclaimed property? When a credit union with federal insurance is liquidated, NCUA's Asset Management and Assistance Center (AMAC) is responsible for paying the share accounts to the members. Invariably, some items may remain unclaimed. Some checks are never cashed; or the credit union's address information was incomplete. There are also cases when we don't have a recent address and are unable to receive a forwarding address from the post office.

 

Share accounts claimed within the 18-month insurance period are paid at their full insured amount. At the expiration of the 18-month insurance period, shares that are not claimed are considered uninsured and written down to share in the loss to the NCUSIF. Even if shares are uninsured when they are claimed, there may still be a distribution.

 

On rare occasions the liquidation of a credit union may result in surplus funds. If a surplus remains, a distribution to the shareholders is required. This may occur several years after the credit union is liquidated and it is sometimes difficult to locate these members.

 

Did you find your name? If you find your name, and currently or at one time lived in the city or state indicated, and you had funds in the referenced credit union, please send your current name and address to us.

  • Download the form. If you're not sure if you are the person listed, fill out the top half of the form only. We will use your social security number and signature to identify you. If you are fairly certain that you are the person listed, fill out the bottom half of the form and have it notarized. Please send it to the address listed on the form.

  • For more information please conact us:

AMAC
4807 Spicewood Springs Road
Suite 5100
Austin Texas 78759
Phone: 512-231-7900
FAX: 518-231-7920

E-Mail : amacmail@ncua.gov

We will use your social security number and your signature to identify you. We will compare the information you provide to the credit union's records.

  


Debt

 

Getting out of debt for some people leads to filing Chapter 7 bankruptcy. When this happens the assets are turned over to a court appointed trustee. The trustee sells the assets to use the money to pay off your debts. A side effect of this is that credit scores suffer and it could take years to rebuild them. Debts cause stress and the more debt there is the more stresses there can be. Yet over spending can lead to debt problems.

 

Sometimes there are other choices instead of having to file bankruptcy, one way is getting some information from debt settlement or debt consolidation companies. They each offer different services, so be sure to get all the information and how they can help you get out of debt. Debts sometimes tend to get unmanageable when too many late fees or high interest rates keep raising the balance that is due. Professional debt relief companies are usually good at getting some of these fees eliminated.

 

A debt settlement company tries to work with creditors and negotiate a payoff amount. For example if $60,000 is owed, they may be able to negotiate a payoff of $30,000 to $40,000. When big bucks are owed, and there is not a chance of paying it all back, this is a choice. It can affect credit scores, but so will not paying bills or missing payments.

 

For a total of a few thousand dollars stretched across several credit cards, another choice is to put all those balances on one credit card. The card should have the lowest available interest rates and a zero introductory offer. Many card companies offer this to get new people to apply. For example, some may offer three or six months, without interest fees. By moving all other credit card balances onto such a card offer, it gives a certain time to try to pay off the balance and not have any interest added. This is a good way to pay off all those little balances on several cards, without having to pay a credit card balance each payday. Pay only once a month, on one card.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

FoundationCenter.org - ©2011 Foundation Center. All Rights Reserved.

Foundation Grants for Individuals Online. An online database of foundation and public charity programs that fund students, artists, researchers, and other individuals.

Established in 1956 and today supported by close to 550 foundations, the Foundation Center is the leading source of information about philanthropy worldwide. Through data, analysis, and training, it connects people who want to change the world to the resources they need to succeed. The Center maintains the most comprehensive database on U.S. and, increasingly, global grantmakers and their grants - a robust, accessible knowledge bank for the sector. It also operates research, education, and training programs designed to advance knowledge of philanthropy at every level. Thousands of people visit the Center's web site each day and are served in its five regional library/learning centers and its network of 450 funding information centers located in public libraries, community foundations, and educational institutions nationwide and beyond.

The Center accomplishes its mission by:

* Operating library/learning centers in five locations-New York City; Washington, DC; Atlanta; Cleveland; and San Francisco-that offer free access to information resources and educational programs.
* Maintaining unique databases of information on the nearly 100,000 foundations, corporate donors, and grantmaking public charities in the U.S. and 2.1 million of their recent grants. Its Foundation Directory Online subscription service is the most popular means for searching these databases.
* Providing a content-rich web site with a variety of free search tools, tutorials, downloadable reports, and other information updated daily, including Philanthropy News Digest, its daily news service, and PubHub, its searchable online collection of thousands of reports published by foundations and nonprofit organizations.
* Conducting research and publishing reports on the growth of the foundation field and on trends in foundation support of the nonprofit sector, including the annual Foundations Today Series.
* Educating thousands of people each year through a full curriculum of training courses - in the classroom and online in the form of self-paced courses and tutorials, as well as webinars. Free and affordable classes nationwide cover the funding research process, proposal writing, grantmakers and their giving, and related topics.
* Publishing books ranging from basic primers on fundraising and nonprofit management to comprehensive reference works.
* Coordinating a nationwide network of funding information centers - 450 Cooperating Collections that offer free local access to core Center resources and training.

Grantseeking for Individuals: Designed for individuals not affiliated with nonprofit organizations, such as artists and researchers.

Applicable for five CFRETM International CEUs (continuing education units) for initial or re-certification

Improve your prospects for receiving funds. This course will show you how to find and identify potential foundation funding sources.

Learn how and why funders make grants to individuals and discover the best tools available for grant searches. Gain an understanding of the application process and learn how to effectively articulate your funding needs.

This course features interactive exercises and assessments, a comprehensive glossary, and web and print resources to prepare you for grantseeking success.

Sign up today! Your account will remain active for six months, allowing you to review the material as often as you like (please note: the final assessment of your skills may be completed only once.)

The Foundation Center
79 Fifth Avenue/16th Street
New York, NY 10003-3076
Tel: (212) 620-4230 or (800) 424-9836


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