Law by Zip Code

New
What's New

• What's New at LegalConsumer

Topics
Legal Topics For Your Zip Code

• BANKRUPTCY: Exemptions & 2023 Means Test Calculator for New York
• UNEMPLOYMENT: Eligibility, Amounts, Benefits, Local Unemployment Office For Your Zip Code
• WAGE & HOUR LAW: State Minimum Wage, Tips, Time Off, Overtime Rules
• INHERITANCE LAW: Inheritance Law, Probate and Estate Taxes
• CHILD CUSTODY: Child Custody Law & Procedure
• OBAMACARE: New York Health Insurance - 2023 Enrollment
• LAWYERS: Find a Lawyer For Your Zip Code
• SITEMAP: For Your Zip Code

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Company Information

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Inheritance by Zip Code

Basics
Assets that Bypass Probate

• How to Inherit Life Insurance in State
• How to Inherit Retirement Assets in State
• How to Inherit Joint Tenancy Property in State
• Forms for Avoiding Probate in State
• What is a Living Trust?
• The Different Varieties of Life Insurance
• Special Options for Surviving Spouses Who Inherit Retirement Accounts
• How to Inherit Payable on Death (TOD) Accounts and Real Estate in State

Probate
State Probate

• Probate Court
• How Probate Works in State
• How to Probate a Small Estate in State
• What Rights Do Creditors Have?
• What is Homestead and Exempt Property and What's a Family Allowance?

Taxes
Death & Taxes

• Does State Collect Estate or Inheritance Tax?
• What State Residents Need To Know About Federal Capital Gains Taxes
• What's New for 2023 for Federal and State Estate, Inheritance, and Gift Tax Law
• How to Get a Tax ID Number for a Trust or Estate in State
• What State residents need to know about state capital gains taxes
• What Taxes Need to Be Filed After Someone Dies?

Intestate
Wills & Intestacy

• Who Inherits When Your Spouse or Parent Dies Without a Will in your state?
• What Is a Will?

Lawyers
Getting Help

• How to Find an Inheritance & Probate Lawyer in
• How To Use ChatGPT (and Other AI Tools) to Navigate the Probate Process in your state
• Do I Need to Hire a Probate or Trust Attorney in My State
• Ten Ways an Inheritance & Probate Lawyer Can Help You

FAQ
FAQ

• What State Residents Need to Know About Inheritance Law
• Who Manages Property Inherited by Children in State?
• State Inheritance Law FAQ
• Executor, Trustee: What's the Difference?
• How to Order Certified Copies of a Death Certificate
• What is a Custodial Account?

Wage & Hour by Zip Code

Wages
Your Rights to Wages

• Minimum Wage For Your Zip Code
• What You Need to Know About State Minimum Wage, Overtime, and Other Wage Claims
• Am I Entitled to Minimum Wage in State?
• Current Minimum Wage in State
• What Are My Rights to Tips in State?
• What Are My Rights to Tips in State?
• What Is the Minimum Wage in State?
• How Do I Calculate My Hourly Wage?
• What Is a Tip Credit?
• Are Tip Pools Legal?
• Your Final Paycheck Rights in State

Hours and Time Off
Work Hours and Time Off

• Am I Entitled to Overtime Pay in State?
• Does My State Employer Have to Give Me Breaks From Work?
• Does My State Employer Have to Give Me Breaks From Work?
• Am I Entitled to Paid Sick Leave, Family Leave, or Vacation Time in State?
• Who Earns Overtime in State?
• Am I Entitled to Breaks?

Classification
Job Classification

• Intern or Employee: Should I Be Getting Paid?

Enforcement
Wage and Hour Enforcement

• What Can I Do If I Am Owed Pay in State?
• How Can I Enforce My Wage and Hour Rights?
• What Is a Wage Claim?
• Minimum Wage and Wage Claims
• Checklist: Information and Documents You Will Need to File a Wage Claim

Lawyers
Wage and Hour Lawyers

• How an Employment Lawyer Can Help You
• Do I Need a Lawyer for My Overtime or Wage Case?
• How Do Wage and Hour Lawyers Charge?
• What Is a Class Action Lawsuit?
• How Can I Find a Wage and Hour Lawyer in State?
• What Will It Cost to Hire a Wage and Hour Lawyer?

Unemploy­ment by Zip Code

How to Apply
How to Apply for Unemployment

• What You Need to Know About Unemployment Benefits in State
• How Do I Apply for Unemployment Benefits in ?
• Checklist: Information You'll Need to File for Unemployment
• What Do I Have to Do to Keep Receiving Unemployment Benefits in State?

FAQ
Unemployment FAQ

• State Unemployment FAQ

Eligibility
Unemployment Benefits Eligibility & Amounts

• Am I Eligible for Unemployment Benefits in State?
• How Much Will I Collect in Unemployment Benefits in State?
• How Long Will My Unemployment Benefits Last in State?
• Current Minimum and Maximum Benefit Amounts in State

Local Resources
Local Unemployment Office

• Unemployment Office

Coronavirus
Coronavirus Unemployment Updates

• Coronavirus Unemployment Benefits No Longer Available
• COVID-19 and Unemployment Benefits in State FAQ

Problems
Handling Unemployment Problems

• Can I Collect Unemployment Benefits in State If I Was Wrongfully Terminated?
• Can I Appeal a Denial of Unemployment Benefits in State?

Lawyers
Working With a Lawyer

• How Can I Find an Unemployment Lawyer in State?
• Paying an Unemployment Lawyer in State
• Do I Need a Lawyer to Get Unemployment Benefits in State?

Child Custody by Zip Code

Basics
Your State's Child Custody Basics

• What State Residents Need To Know About How to Get Custody of a Child
• How State Courts Make Child Custody Decisions
• Get New York Parenting Plan and Agreement Help
• Get New York Parenting Plan and Agreement Help

FAQ
Child Custody FAQ

• How Does Child Custody Work in State?
• Can You Change Child Support Payment Amounts By Moving to a Different State?
• What Is Physical vs. Legal Custody of a Child?
• What Is Joint vs. Sole Custody of a Child?
• What Is Split Custody?

Find Your Family Court
County Family Court

• Family Court

Enforcement
Child Support Enforcement

• How to Enforce a Child Custody Order in State

Taxes
Taxes

• Who Claims a Child on Taxes After a Custody Case?

Lawyers
Working With a Lawyer

• How to Find a State Child Custody Lawyer

Obamacare by Zip Code

Basics
Obamacare Basics for Your State

• What State Residents Need to Know About Obamacare for 2023
• State Medicaid Expansion: Do I Qualify for Medicaid Under the ACA?
• What is Obamacare and the Affordable Care Act?
• What do Obamacare health insurance plans cover?
• Do I Have to Get Health Insurance in State in 2023?

Rates
Obamacare Rates for County

• 2023 Obamacare Rates
• How Much Does Obamacare Insurance Cost in State?
• How Much Does Obamacare Cost in State?
• How Much Is the Obamacare Tax Penalty in State for 2023?

How to Enroll
Obamacare Enrollment

• How To Sign Up for Obamacare in State for 2023
• Can I Use a Paper Application to Get Obamacare?
• Where can I get in-person help with my application?
• Information & Documents to Have on Hand
• How an Insurance Agent or Broker Can Help You Sign Up for Obamacare in State
• What Happens If I Missed the New York Obamacare Enrollment Deadline for 2023?

Financial Help
Obamacare Financial Assistance

• New York Obamacare Scams: What They Are, How to Avoid Them & Where to Report Them
• Ways to Save Money on Obamacare in State

Life Situations
Obamacare for Different Life Situations

• Obamacare for Self-Employed New York Residents
• What Domestic Partners Need to Know About Applying for Health Insurance Under Obamacare
• Obamacare and Seniors
• How Obamacare Can Help Unemployed New York Residents
• Obamacare and Students

Using Your Plan
Using Your Obamacare Health Insurance Plan

• Understanding Obamacare's Preventive Health Care Benefits
• When Are You Legally Required to Report “Life Changes” to the State Health Insurance Exchange?
• What if I live in more than one state?
• What to Do If You're Frustrated or Fed Up With NY State of Health

News
Obamacare News

• Recent Obamacare News
• News From the State Health Insurance Exchange

Student Loans by Zip Code

Basics
Student Loan Basics

• Eight Things To Know About Dealing With Student Loan Debt in State
• What We're Reading about Student Loans

Payments
Student Loan Payment Options

• How Do I Lower My Student Loan Payments?
• How Do I Postpone My Student Loan Payments?
• Student Loans That Qualify for Income-Based Repayment Plans

Forgiveness
Student Loan Forgiveness and Cancellation

• Can I Discharge My Student Loans in Bankruptcy?
• Can I Get Still Get Forgiveness or Cancellation of My Student Loans in State?
• Can I Get Forgiveness or Cancellation of My Student Loans in State?
• Student Loan Forgiveness Progams

Default
Student Loan Default

• Avoiding Student Loan Default
• What Happens If I Default on My Student Loans?
• How to Get Out of Student Loan Default
• New York Student Loan Default Penalties

FAQ
Student Loan FAQ

• Student Loan FAQ
• Glossary of Student Loan Terms
• What's the difference between federal and private student loans?
• What's the difference between Direct Loans, Stafford Loans, and FFEL Loans?
• What is a Pell Grant?
• What is a PLUS Loan?
• What is a Perkins Loan?
• What if I don't know what kind of loan I have?
• What is student loan deferment?
• What is student loan forbearance?
• What is student loan default?
• Can student loan debt ruin your credit report?
• How do I file a student loan complaint?
• About This Website

Problems
Student Loan Problems

• How to Get Help With Student Loan Problems
• Avoiding Student Loan Scams and Pitfalls
• Unfair Student Loan Collection Practices: How to Fight Back
• Student Loan Lawsuits: What to Do If You Get Sued

Help
Getting Help With Student Your Student Loan

• How to Find a Student Loan Lawyer in State
• Tips for Finding and Working With Your Loan Servicer

Bankruptcy by Zip Code

Basics
Bankruptcy Basics

• How to use ChatGPT (and Other AI Tools) to Navigate the Bankruptcy Process in your state
• How Chapter 7 Bankruptcy Works in your state
• How Chapter 13 Bankruptcy Works in State
• Alternatives to Bankruptcy
• What is the Automatic Stay?
• Glossary of Important Bankruptcy Terms
• Bankruptcy Basics Videos

How to File
How To File Bankruptcy

• State Bankruptcy FAQ
• How To File for for Chapter 7 or Chapter 13 Bankruptcy in My Zip Code:
  Step-By-Step
• How Much Does It Cost to File for Bankruptcy in My State?
• Where Do I File for Bankruptcy in My Zip Code?
• Working With the Bankruptcy Trustee

Courts
New York Southern District Bankruptcy Court Info

• Bankruptcy Court FAQ
• Getting help from your local court to file bankruptcy without an attorney
• Information about the New York Southern District Bankruptcy Court

Forms
Bankruptcy Forms

• Bankruptcy Forms FAQ
• Can I get free bankruptcy forms?
• Table of Free State Bankruptcy Forms

Means Test
Means Test Calculator
Income & Expenses

• Means Test Calculator for Your County, For Cases Filed on or after May 15, 2023
• Means Test FAQ
• Line by Line Help for the Bankruptcy Means Test

Debts
Debts & Dischargeability

• Can an Employer Garnish My Wages in My State?
• What Debt Can Be Wiped Out In Bankruptcy?
• What Debts Will I Still Have To Pay After My Bankruptcy?
• How Will Bankruptcy Affect My Child Support Obligations?
• Can I Get My Tax Debts Wiped Out In Bankruptcy?
• How Will Bankruptcy Affect Someone Who Cosigned One Of My Debts?
• Secured debt vs. unsecured debt: What's the difference?
• Medical Debt: What Bankruptcy Can Do About it
• What is a Reaffirmation Agreement?

Student Loans
Student Loans

• Best Sources of Student Loan Undue Hardship Case Law
• How to Request an “Undue Hardship” Discharge of a Student Loan in Bankruptcy and Complete the New Required Affidavit Online
• Student Loans §523(a)( 8 ) Undue Hardship Discharge Affidavit
• Can I Get My Student Loans Discharged or Reduced for Undue Hardship In Bankruptcy?
• Student Loan Bankruptcy Discharge Affidavit For Undue Hardship §523(a)(8) - Free Online

Exemptions
Property, Exemptions & Liens

• Can Bankruptcy Prevent Foreclosure in My State?
• State Bankruptcy Exemptions - All Categories
• Is My State Adjusting Its Bankruptcy Exemptions for Inflation in 2023?
• Can I Use the Federal Bankruptcy Exemptions in My State?
• What Happens to My Property If I File For Chapter 7 Bankruptcy In My State?
• Can I Give Property Away To Friends Or Relatives To Avoid Losing It In Bankruptcy?
• Can I Keep Property That I've I Pledged as Collateral For a Debt?
• Can I Keep My Car or Truck If I File For Chapter 7 Bankruptcy in ?
• What Will Happen to My Home If I File For Bankruptcy in My State?
• State Homestead Exemption
• Can Bankruptcy Stop An Eviction in My State?
• Bankruptcy Exemptions FAQ
• State Exemption Updates

Exemptions
Exemptions By Category

• Table of Federal Bankruptcy Exemptions Under §522(d)
• Does My State Recognize Tenancy by the Entirety?
• State Insurance Exemptions - Life, Disability, Survivors Benefits
• New York Motor Vehicle Exemption & Other Personal Property Exemptions
• State Pension and Retirement Exemptions
  Will I Lose My Retirement Savings If I File For Bankruptcy?
• Public Benefits Exemptions for State
• Are My Monthly 2021 Child Tax Credit (CTC) Payments Exempt From Creditors in My State?
• State Tools of Trade Exemptions
• State Wage Garnishment Exemption
• State WildCard Exemption
• State Miscellaneous Exemptions
• Table of Federal “Non-Bankruptcy” Exemptions

BK Exemptions FAQ
Bankruptcy Exemptions FAQ

• Citations to Exemptions

Lawyers
Bankruptcy Lawyers & Other Help

• Bankruptcy Lawyers
• Connect With an Attorney Serving Your City
• Should You Use a Bankruptcy Petition Preparer (BPP)?
• What is UpSolve, And How Does It Work?
• Bankruptcy Lawyers FAQ
• Directories of New York, State Bankruptcy Attorneys

News
Bankruptcy News

• Daily News Sources on Bankruptcy
• Bankruptcy & Economic Statistics
• Other Free Audio/Video About the Debt & Credit Industry
• What We're Reading About Debt & Bankruptcy
• Consumer News From Local News Affiliates
• LegalConsumer Bankruptcy Blog
• Credit Card news & Info
• Politics & Legislation
• Congressional Committees on Bankruptcy and Credit Issues

Lawyers by Zip Code

Personal Injury
Personal Injury

• How to Find a Personal Injury Lawyer in
• Ten Ways a State Personal Injury Lawyer Can Help You

DUI
DUI

• How to Find a DUI or DWI Lawyer in
• Get a Free DUI Case Evaluation

Criminal Defense
Criminal Defense

• How to Find a Criminal Defense Lawyer in
• Ten Ways a Criminal Defense Lawyer Can Help You

Buisiness
Business

• How to Find a Business Lawyer in
• Ten Ways a Business Lawyer Can Help You

Employment
Employment

• How to Find an Employment Lawyer in
• Ten Ways an Employment Lawyer Can Help You

Intellectual Property
Intellectual Property

• How to Find an Intellectual Property Lawyer in
• Ten Ways an Intellectual Property Lawyer Can Help You

Real Estate
Real Estate

• Ten Ways a Real Estate Lawyer Can Help You
• How to Find a Real Estate Lawyer in
• Ten Ways a State Real Estate Lawyer Can Help You
• Ten Ways a State Real Estate Lawyer Can Help You
• Ten Ways a State Real Estate Lawyer Can Help You

Bankruptcy
Bankruptcy

• Ten Ways a Bankruptcy Lawyer Can Help You
• How Do I Find a Bankruptcy Lawyer in My Zip Code

Divorce
Divorce

• How to Find a Divorce Lawyer in
• How to Find a Family Lawyer in
• Ten Ways a Divorce Lawyer Can Help You
• Ten Ways a Family Lawyer Can Help You

Estate Probate
Estate Planning Probate

• How to Find an Estate Planning Lawyer in
• Ten Ways an Estate Planning Lawyer Can Help You

Immigration
Immigration

• How to Find an Immigration Lawyer in
• Ten Ways an Immigration Lawyer Can Help You

Find
How to Find a Lawyer

• How to Find a Lawyer in

AI & ChatGPT Legal Research by Zip Code

Basics
Chat GPT Basics

• How to Use ChatGPT 4.0, Google Bard and Claude.ai for Legal Research In your zip code
• What is ChatGPT
• Is ChatGPT Safe To Use For Legal Research?
• How To Check Your ChatGPT Responses
• News about ChatGPT and Access to Justice

Prompts
Suggested Prompts

• 5 Tips For Using ChatGPT 4.0 To Research Local Law and Procedure
• Researching Student Loan Hardship Cases Using Google Bard
• ChatGPT Prompts for Bankruptcy and Debt Collection Law & Procedure In County, your state
• ChatGPT Prompts for Probate and Property Transfer Procedures When Someone Dies in your state
• Prompts Matter: How to Write Good ChatGPT Prompts For Legal Research

Advanced
Advanced Techniques

• 5 Best Free Online Legal Research Tools for Self-Represented Consumers
• Videos That Explain How To Use ChatGPT for Consumer Legal Research

Democracy by Zip Code

Voting
Voting

• 2022 Voter information Guide for your state
• How to Vote in Your State
• How to Confirm or Update Your Voter Registration in State
• Was My Vote Counted? How to Track Your Vote in Your State
• What Are the Laws About Poll Observers and Vote Challenges in My State?
• What's On the ballot in the next election?
• Is My State Gerrymandered? Who Draws The Voting Districts in My State?
• Purges Will Deprive 16.7 Million of their Right To Vote in 2020

Elected Reps
Your Elected Representatives for

• State Legislator List
• Elected Representatives
• How to Call Your Congressional Representative in
• Who Are Your State Representatives in your state’s Legislature?

Local Govt.
Local Government Offices & Meeting Agendas

• County Government
• Who Runs the Police Force & Sheriff’s Office in Your City, Your State, and Your County?
• How to Run For Office and Be Politically Engaged in State, County, and New York
• What is a city council? A county commission? A board of supervisors? And why should I care?

Agencies
Government Agencies and Offices

• Government Agencies Promoting & Tracking Economic Development
• Federal Agencies by Topic
• How to Report Consumer Fraud in State

Civics
Basic Civics

• List of Senators who voted to disenfranchise voters by denying the certified result of the 2020 election
• What is Democracy?
• What is representative government?
• Who makes laws and regulations?
• How to Run for Office in

Issues
Issues & Interest Groups

• Personal Finance -- Legislation
• Civil Rights -- Legislation Tracking Organizations
• Consumer Protection -- Legislation, Organizations
• Government & Democracy -- Legislation, Organizations, Issues
• Health Care -- Legislation, Organizations, Issues
• Sharing Economy -- Legislation, Organizations, Issues
• Activist Organizations in State and County
• Children's Health Issues - Organizations and Interest Groups

News
Democracy News

• Local Media and the Importance of Community Radio
• Reliable Sources of Fact-Based News for Consumers
• What We're Reading About Democracy and Voting

About
About This Website

• Welcome to Democracy by Zip Code