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Fair Debt Collection Practices Act (FDCPA): Federal law that protects consumers from abusive debt collection practices and provides guidelines for debt collectors

Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and protecting consumers in credit transactions

U.S. Bankruptcy Code: Federal laws governing bankruptcy proceedings and relevant provisions for hardship declarations in bankruptcy cases

Making Home Affordable Program: Federal program guidelines for mortgage modifications and assistance during financial hardship

State Consumer Protection Laws: State-specific legislation protecting consumers from unfair practices and providing additional rights during financial hardship

State Debt Collection Regulations: State-specific rules governing debt collection practices and consumer protections

State Notary Requirements: State-specific requirements for proper notarization of affidavits and sworn statements

State Foreclosure Laws: State-specific regulations governing foreclosure processes and homeowner protections

CFPB Regulations: Consumer Financial Protection Bureau guidelines protecting consumers in financial transactions and during hardship

HUD Guidelines: Department of Housing and Urban Development requirements for housing-related hardship considerations

IRS Guidelines: Internal Revenue Service regulations regarding tax implications and requirements for hardship declarations

Rules of Evidence: Legal requirements for admissibility of affidavits as evidence in legal proceedings

Perjury Laws: Federal and state laws governing false statements under oath in affidavits

Program-Specific Requirements: Specific criteria and guidelines for various hardship assistance programs, including loan modifications and government assistance