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For example, some personal items such as household furnishings, clothing, jewelry, and tools of a persons trade are exempt assets that cannot be reached by creditors. Under Tennessee law, up to $5,000 of home equity for individuals and up to $7,500 for married or joint owners is exempt.
You may search in these databases for unclaimed money that might be owed to you: Treasury Hunt: U.S. securities and undeliverable payments. HUD/FHA mortgage insurance refunds. Credit Union unclaimed shares. U.S. Courts: Unclaimed funds in bankruptcy.
Use TreasuryHunt.gov to find matured savings bonds that have stopped earning interest. You can also learn how to replace a lost or destroyed savings bond. Use the U.S. Courts Unclaimed Funds Locator to search for money you may be owed after a person or business declared bankruptcy.
If you lost your refund check, you should initiate a refund trace: Use Wheres My Refund, call us at 800-829-1954 and use the automated system, or speak with an agent by calling 800-829-1040 (see telephone assistance for hours of operation).
The government does not offer free money for individuals. Federal grants are typically only for states and organizations. But you may be able to get a federal loan for education, a small business, and more. If you need help with food, health care, or utilities, visit USA.govs benefits page.
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