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Financial and Tax Resources


Verification of Salary Letter

 

A salary verification letter provides evidence for any income and employment claims a person makes. You may need a letter like this in several instances, such as when applying for benefits, renting an apartment, applying for loans, or for court papers.

 
Employment verification letters are used to prove that someone worked for a company or organization and are often printed on official letterhead or stationery. If your employer does not have a template, you can modify the example below to present it to them.
 
[Date]
 
RE: VERIFICATION OF SALARY
 
To whom it may concern:
 
This letter is to inform you that (___________________________________) has been employed by (_________________________).
 
The employee’s current position is (______________________), and his current salary or wage is ($_________ ) per month. The number of hours worked per week are (_______________).
 
His gross salary for the last 3 months has been:
Current Month ($__________)
1 Month Ago ($__________)
2 Months Ago ($__________)
 
Should you have any questions or need further information, please contact me using the details below.
 
Sincerely,
 
[Signature]
[Employer full name & title]
[Employer Contact Number]
 
Updated on December 4, 2024
 


NYC Financial Justice Hotline

 

The NYC Financial Justice Hotline by the New Economy Project offers counseling to all low-income New Yorkers with problems with debt collection, bank accounts, wage garnishments, credit reporting, etc. Call the hotline at (212) 925-4929 to get help.

 
Support services include free information, legal advice, and referrals on various financial justice issues. It is available in English and Spanish to all low-income NYC residents.
 
Their hours of operation are Monday, 4-6 pm, and Tuesday, Wednesday, and Thursday, 12-2pm. You can also contact them by emailing hotline@neweconomynyc.org.
 
Learn more at www.neweconomynyc.org/resource/nyc-financial-justice-hotline.
 
Updated on December 3, 2024
 


Sending a Cease Debt Collection Communication Letter

 

If you ever feel overwhelmed by debt collectors, you have the right to ask them to stop contacting you. You can send them a letter to request this, and they must respect your wishes.

 
If you’re not sure what to say or how to send it, look at the sample letter below:
 
[Date]
[Your name]
[Your return address]
[Debt collector name] [Debt collector Address]
 
Re: [Account number for the debt, if you have it]
 
Dear [Debt collector name],
 
I am responding to your contact about a debt you are attempting to collect. You contacted me by [phone/mail], on [date]. You identified the debt as [any information they gave you about the debt].
 
Please stop all communication with me and with this address about this debt.
 
[If you dispute the debt, include the following:] Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed.
 
Thank you for your cooperation.
 
Sincerely,
 
[Your name]
 
To find sample letters that better fit your situation, visit the Consumer Financial Protection Bureau at www.consumerfinance.gov/ask-cfpb/what-should-i-do-when-a-debt-collector-contacts-me-en-1695.
 
Once you print and sign your letter, visit your local post office and request a “Return Receipt” when sending your letter. It confirms delivery with the recipient’s signature. While it may cost a bit more, ensuring the collector received your letter is important for two key reasons:

  • If you know they received your letter, you know they are required by federal law to stop contacting you.
  • Also, if this ever became a debt collection case in court, you can use the receipt in your trial.

Keep a copy of the letter for your records in case you need it later!
 
Once the collector receives your letter, they can only reach out again if they’re moving forward with legal actions like a lawsuit. Just a quick note: your original creditor can still contact you. Remember, sending that letter doesn’t erase your debt, so it’s important to keep up with your payments. And if you ever get a letter about a lawsuit, be sure to take it seriously and don’t ignore it!
 
For help about how to deal with debt and debt collectors, see below.
 

Resources

 
Updated on December 3, 2024
 


Taxpayer Advocate Services (TAS)

 

Tax Advocate Services (TAS) is an independent organization within the IRS that helps taxpayers with problems they can’t resolve with the IRS.

 
The Taxpayer Advocate Service offers various resources to get you the answers you need. Topics of resources include:
 

  • Issues and errors
  • Refunds
  • Interacting with IRS
  • Filing Returns
  • Small Businesses
  • Credits
  • Paying taxes

 
If you received a notice from the IRS, find out what actions you can take by entering the letter number at www.taxpayeradvocate.irs.gov/get-help.
 
To check if your topic of concern is covered by their support services, go to the TAS Qualifier Tool at www.taxpayeradvocate.irs.gov/can-tas-help-me-with-my-tax-issue. You can also contact TAS by phone. For assistance, please call 1-877-777-4778.
 
For in-person services, locate a local office at www.taxpayeradvocate.irs.gov/contact-us.
 
Learn more by visiting www.taxpayeradvocate.irs.gov/get-help.
 
Updated on December 4, 2024
 




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