Payment Arrangement Direct Debit Request: Fill & Download for Free

As a lot of people pointed out, landlords are always happy to take money. You can do the following:1. Offer an extra month of security deposit2. Offer direct debit of the rent from your checking account (and make sure the debit request never bounces)3. Offer to pay your rent via a cashier's check (it can never bounce)and so on. I would still try to sign a proper lease with an apartment building instead of going under the table because the rent payments will help you with rebuilding your credit. If you make an undocumented arrangement (sub-let/lease a room etc), you will not see the benefit of paying your rent on time on your credit report.Last but not least, rents in the bay area are astronomical. The further you live from San Francisco, the better your chances of getting an apartment for decent rent. If you are already considering Oakland and planning to take the train to SF (BART), you might as well consider Hayward and Castro Valley or Fremont to strike the right balance between price, convenience and amenities.

Things to consider on a UK e-commerce site:General site designA co.uk domain will engender more trust than a .com domain.UK consumers are conditioned to prefer multibuy promos rather than TBI (i.e. limited time discount offers). So Buy one get one free rather than 50% off.The top 10 of almost anything (movies, power tools, sportswear) is going to be different to the US.If you are selling to businesses clearly communicate VAT status. A £120 item (which includes £20 VAT) from a UK Ltd will only cost the business £100.All addresses can be recognised from just the house number/name and the post code. Do not force users to enter their county - its only really useful if you play cricket.UK consumers expect clear purchase paths and will drop out faster than, say, German consumers if you have a complicated checkout.More than any other country a UK e-commerce site seems to be a benchmark for product ranges and pricing. The UK is the general default site for Nordics/Holland and other European countries if there are no local sites. This above the US. We have a multi-national client whose German division’s biggest issue is when the UK e-commerce site drops price (they get an instant request from MediaMarkt etc to follow suite!)Payments and legalsCredit and debit cards are very widely used, and they are relatively cheap. Expect much lower average charges than the US. (Stripe UK charges 1.4%, Stripe US charges 2.9%).Amex is fairly widely used - notably because it is supported by British Airways points. Whilst still not as popular as in the US, unlike most other countries it is usually well worth the higher fee.Government regulations provide a lot of consumer protection for faulty product - check out the UK consumer rights act. This will give you a base line as to the minimum acceptable levels of customer service.Similarly you will need to comply with distance selling regulations. Essentially unless customised, consumers have the right of return for almost anything within seven days.Consider payment via direct debit (i.e. direct payment to bank account) - very cheap and easy to set up with gocardless.A tip: consider Tesco Club Card points as a payment method (it will account for upwards of 25% of your revenues if you have tickets, that type of thing)OperationsDelivery is very efficient in the UK - so next day delivery is really nothing special.Do not require deliveries to be signed for, unless you have an extraordinarily high value item. Most consumers will have arranged a keep-safe place with their local DHL/Yodel/DPD driver.Northern Ireland, Islands and highlands are much more expensive to deliver to. You may need to manage this if you have a bulky item.Have a strategy for Jersey/Gurnsey etc. These require export documentation and can be very disruptive if you are not prepared for orders from them.Enough for now, need to get back to real paid work!And finally (a bit of a self-promotion) if you do want a more detailed analysis please send us an email or phone - we have a specialist e-commerce consultancy. Details: www.wearelion.com.

Yes, the IRS has contracted with the following private collection agencies;CBEP.O. Box 2217Waterloo, IA 50704800-910-5837ConServeP.O. Box 307Fairport, NY 14450844-853-4875PerformantP.O. Box 9045Pleasanton, CA 94566844-807-9367PioneerPO Box 500Horseheads, NY 14845800-448-3531The IRS will send you Notice CP40 to inform you that your case has been transferred to a Private Collection Agency.The Private Collection Agency cannot take any type of enforcement action against you to collect the debt, nor can they negotiate the debt.What Can You Expect?A private collection agency will:Send an initial contact letter before attempting to collectIdentify themselves as IRS contractors who are collection taxesSet up and monitor payment arrangements that will allow you to pay in full within five years or the collection expiration dateSecure IRS approval for payment arrangements that are longer than five years, but will allow you to pay in full within seven years or the collection expiration dateA private collection agency will not:Request a payment made directly to them or on prepaid debit, iTunes or gift cardsCollect financial informationTake any type of enforcement action such as issuing a levy or Notice of Federal Tax LienMake determinations to accept or reject offers in compromise or report accounts currently not collectibleCharge a fee for setting up a payment agreement