Homeowners in the United States are required to learn a number of laws homeowners should know before taking any steps to renovate or upgrade their homes. These laws apply to home modifications, like additions, changes and repairs, as well as those that apply to the structure of the house. One law that is important to understand is the Fair Debt Collection Practices Act. This legislation protects consumers from unscrupulous collection agencies that try to collect late fees, penalties, and interest on past due accounts in homes. There are also laws that protect homeowners from unreasonable late-term phone calls or actions such as invasion of privacy or slander.
The laws homeowners should now depend on whether the home is rented or owned. If it is rented, the laws are different because there is no ownership of the property and all expenses have to be borne by the renter. When the home is owned, there are several kinds of laws homeowners should be aware of. They include the Real Estate Settlement Procedures Act and the Real Estate Purchasing Act.
For instance, the Real Estate Settlement Procedures Act covers all transactions that involve real property. This includes loans, mortgages, possession, disposition, exchange, and taxes. Another important law homeowners should know concerns insurance. It protects you against acts of nature that can damage your belongings and cause them to become uninhabitable. The Protecting Individuals With Small Business Insurance Act protects small business owners and provides them with certain protection against liability claims that occur for items they store in their home. There are several other Acts that are important to know about depending on what kind of home you have.
When it comes to laws, homeowners should know about regarding the courts. One of the most important laws homeowners should know involves disputes with neighbors. In the United States, all laws that deal with criminal activity or civil wrongs must be applied to civil cases. As an example, laws regarding arson will not apply if a fire is being lit in your back yard. Therefore, if you are litigating a matter with another person, such as a neighbor who thinks your lawn needs mowing, you should make sure that the laws governing the situation are applicable to both parties.
Another important law homeowners should know involves sex offender records. These laws were made in order to keep sex offenders safe from the public. However, many people who commit crimes against children do not have sex offender records. If you are going to use a public facility, such as a swimming pool, you should make sure that the laws homeowners should know about protecting children from sex offenders are applicable in the state or location where you plan to use the facility. In addition to this, you may want to consider the impact of these laws when enrolling your children in daycare centers or schools.
Homeowners should also be aware of environmental laws, homeowners should know about. The main purpose of these laws is to protect natural resources and prevent environmental pollution. A common law that can help you understand these laws is to look at the source of the laws. For example, if the laws were passed by an environmental agency, then you will know that it was passed for the protection of the environment.
When researching laws homeowners should know about property taxes. These taxes are used to support local government programs and services. In addition to this, they are collected on a monthly basis from homeowners in the area. If you live in a high tax area, you may want to think about living in another area in order to avoid paying too much money in property taxes.
One of the last laws homeowners should know about is business liability laws. These laws help to protect the rights of companies and owners of small businesses. For example, they can protect companies from discrimination based on gender, race, religion, sexual orientation, or age. They can also be used to protect small businesses from frivolous lawsuits and slander. This law was put into place in response to the Hostile Work Environment Act. You should take a close look at this one if you own or manage a small business.