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Use These Sample Letters From the USOPM to Contact Your Creditors if You're Furloughed http://bit.ly/2Qcpmc5 As we head into yet another week of the government shutdown, many furloughed government employees might be struggling with how they’re going to pay their bills. While being furloughed means that an employee’s holiday vacation has gotten a little longer, it also means that they’re not getting paid. While the government is shut down, credit card companies and banks are not, so those employees will still be expected to pay things like their mortgage and other bills, just as if they were working as normal. If that’s you, the United States Office of Personnel Management, which is also partially shut down, tweeted out some tips on how employees can work with their creditors during the shutdown as well as some sample letters that can be sent to creditors (Warning: that link is a .doc that will download when you click on it). Advertisement On a basic level, it recommends contacting your landlord, mortgage company or creditor, explaining the situation, and then asking if they can work with you to offer a waived payment or a reduced monthly payment until the furlough is over. It’s not a guaranteed fix, but it’s worth a shot. Once you’ve negotiated a deal, it suggests sending a letter, perhaps via certified mail, directly to the person that you spoke to organize the reprieve. You should also keep a copy of the letter for your own records, should an issue arise later. Here’s what it suggests sending your mortgage lender:
The letters are not meant to be a replacement for a conversation, but rather a way to put a deal that was made over the phone or in person in writing—don’t just send one of these without talking to someone first. Advertisement If you are furloughed, it’s not a bad idea to go ahead and try to strike those deals now. While the shutdown might end soon, it could also drag on, which could make paying those bills difficult down the line, even if they aren’t an issue for you just yet. Gadget News via Lifehacker https://lifehacker.com December 30, 2018 at 04:24PM
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October 2020
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