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Disclosure Statement Questions

h2>What is a disclosure statement? A disclosure statement is a type of statement that is written so many individual can understand. This type of statement information that is important to the disclosure. A disclosure statement is used to keep information about individuals who are on a financial contract and easy to understand what is stated within their contract. Types of disclosure statements can include what is sent before a loan is settled upon. These statements are also made before any types of arrangements are made final so that the individual have the chance to cancel an agreement if they find something they want changed. Read below where Experts have answered questions about a disclosure statement.

I am changing ownership of an insurance policy to my spouse. The insurer says I need a disclosure statement from my spouse, and they sent me the forms but they do not look like a “disclosure statement form,” to me. Is there a standard form to fill out?

If you have already received forms from the insurance company to fill out, those may be the standard forms that are needed in order to change the ownership. A disclosure statement is normally used in real estate or even divorce cases where the financial disclosure is required.

Are personal trainers required to have a HIPAA (Health Insurance Portability and Accountability Act) disclosure statement?

In most cases personal gyms and their employees are not covered by HIPAA and therefore not required to have a disclosure statement.

I am working on a disclosure statement and it asks for a legal theory which the claim is based. I am suing for the value of a stolen car and money, would this be considered a legal theory?

Your legal theories are first in contract law for the money, second in exchange for the money this person stole, and third intentional tort for unauthorized use of property causing loss of wages. In order to add to your case you should make a statement that “The plaintiff reserves the right to amend the legal claims after all discoveries are completed in this matter.” This is done that way if the individual needs to add anything else to their case, they will be able to do so.

I have signed an unsecured time note, an odometer disclosure statement, and a conditional sales contract. I decided I don’t want the car. I have not signed a title or a long contractual form yet. I haven’t paid anything on this car yet. Can I take the car back?

Since you didn’t sign the full contract and never made an actual payment and the title is still under their name. They did not finalize the sale therefore the contract is not yet fully valid. Simply return the vehicle and tell them that you were test- driving it and you no longer wish to purchase it.

While disclosure statements vary from state to state, and often vary from one transaction to another, it is always important to know your rights and to be well informed on any transaction. A person would be wise to read carefully any disclosure statement before signing it and always know your rights before signing any documents.

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Tina
Tina, Lawyer
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Experience:  JD, BBA Over 25 years legal and business experience.
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Tina
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Recent Disclosure Questions

  • I purchased a company here in Florida a few years back. I bought

    I purchased a company here in Florida a few years back. I bought it from Elizabeth A Williams (recently deceased). I have just learned that her Personal Representative contacted my bank and requested AND has just received my banking statements going back I don't even know how far. What are the legal ramifications for both that Personal representative and the bank? I'm pissed....thanks for reading.
  • Hi, I am seeking advice with the below matter. At the end

    Hi,
    I am seeking advice with the below matter.
    At the end of November this year I have purchased a puppy via online platform and I am expecting for him to be shipped this week. I have paid for him the full price and was just expecting for him to be delivered. However, the health report was disclosed to me today that the puppy has has a preflight condition otherwise known as an undescended testicle; which may or may not be a congenital or hereditary disorder. They have asked me to sign puppy disclosure waiver in which I will agree to accept this preflight condition and hereby grant the breeder full and final release of all claims that I have or could have had in full settlement and satisfaction for the disclosed preflight issues and as sole consideration for the final release and discharge of all actions, claims and demands whatsoever, that now exist, or may hereafter accrue.
    Is this something I should be forced to sign? I have also signed the purchase contract in which I agreed that if I decide to cancel anytime before the shipping, I will have to pay an admin fee.
    Can you please advise me what are my rights in this situation?
  • On 13 December 2014, I received a letter from the IRS demanding

    On 13 December 2014, I received a letter from the IRS demanding immediate remittance of $1448.00. That demand was due to the fact that a company reported that they had forgiven a debt related to an auto loan. Upon reviewing my credit score with Transunion, I found that that debt had neither been expunged or forgiven (as of 13 December 2014)- the status of the account in question remains in the same state that it has been for the last 5 years- in collections, even though I had voluntarily surrendered my vehicle due to an inability to keep making payments. The IRS further alleged that I had, in some way, received a profit from this (to the tune of 9000 dollars). Also, they had insinuated that I had deliberately neglected to report the income on my tax form, however the 1040EZ I had used (and have been using for the last fifteen years, since my income never exceeded that form's preview in terms of income). Adding to all of this, key aspects of the letter are grossly incorrect- the creditor listed on the form, the fact that a 1099c had been received in 2013 (none was ever received), and the amount of the debt. The IRS has given me until January 7th 2015 to pay in full or respond, and has threatened to seize assets including my vehicle (which I own outright) and any other asset that I have.
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