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LSNJLAW: You and the Law in New Jersey
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Glossary
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a


alimony

Spousal support or alimony refers to support paid by one spouse to another to help the other spouse continue to live the way he or she lived while married. Alimony may be awarded to either party in a divorce action.

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Anti-Preditory Lending Project

The Anti-Predatory Lending Project (APLP) gives free legal help to low-income homeowners who are victims of predatory mortgage lending. While predatory lending covers a wide variety of abusive lending practices on any type of loan, the APLP concentrates on predatory lending that targets homeowners and increases the risk of foreclosure or the loss of equity in their homes. The APLP is dedicated to saving homes from foreclosure, protecting home equity, and ending predatory lending.

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E


EITC

The Earned Income Tax Credit (EITC) is particularly valuable because it is fully refundable. This means that the credit first reduces your income taxes and, if there is any left over, the government will send you a check for the rest of the credit. While you sometimes can get a credit even if you do not have a qualifying child, the credit is much larger for people who have a child, and is larger yet for people who have two or more children.

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I


ITIN

Like an SSN, an ITIN is a nine-digit number. The ITIN is used in place of a Social Security Number on a tax return and identifies a taxpayer who has no SSN, or a spouse or dependent without an SSN who is listed on the tax return. It is easy to tell that a number is an ITIN and not an SSN because ITINs always begin with a 9. To file a return using an ITIN, just enter the ITIN in the space(s) provided for the SSN.

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N


NJ EarnedIncome Tax Credit

The Earned Income Tax Credit (EITC) is particularly valuable because it is fully refundable. This means that the credit first reduces your income taxes and, if there is any left over, the government will send you a check for the rest of the credit. While you sometimes can get a credit even if you do not have a qualifying child, the credit is much larger for people who have a child, and is larger yet for people who have two or more children.

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T


Testing

testing

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Low-income New Jerseyans can get free legal help by phone: call our toll-free hotline at 1-888-LSNJ-LAW (1-888-576-5529), Monday through Friday, 8:00 a.m. to 5:30 p.m. Outside of New Jersey, please call 732-572-9100 and ask to be transferred to the hotline.