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How to replace lost documents
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Trying to find your car registration? That is usually handled by the auto-tag office in your home county or parish.

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Your banking papers
Remember all those financial papers you had to sign in triplicate? This is where it pays off.

Survivors "are in luck with banks," says John Hall, associate director, American Bankers Association. "They are required to have extensive disaster recovery plans in place and multiple backup systems."

If you have access to a computer and know your account numbers, you can often get bank and credit records online. If that's not practical, try the toll-free number for your bank. "Your branch may not be open, but the banks are still open," Hall says.

If you're a normal human being (i.e., one who hasn't memorized his bank numbers), a bank rep "may ask some specifics about you to verify your identity," Hall says. What you probably want to get first: your balance, the last checks that went through, information on any deposits and a way to access your money.

If you want information on your 401(k) or other retirement accounts, go to the company that's keeping the account. "That's the best source," says Ron Richards, an independent financial planner in Pensacola, Fla. Since many are online, you might be able to log on and look at your account. Or call the company's toll-free number.

If it's a work-sponsored plan and you don't remember which company has the account, try to reach someone at your employer, preferably in the human resources department, says Richards, who knows what it's like firsthand after surviving Hurricane Ivan last year.

Personal identity papers
Missing your driver's license, birth certificate or Social Security card? You're not alone.

Social Security card.This is probably the easiest. Since Social Security is a national program, you can go into an office anywhere, fill out the paperwork, show some form of ID (like a driver's license, passport, health insurance card, school ID, military ID or original or certified copies of marriage or divorce papers), and they will send you a replacement card. If you fill out the paperwork in person, you should have a new card in about a week, says Erin Conway, a regional public affairs specialist with the Social Security Administration's Chicago office.

You can also download the form and send it in, but you have to send your original ID along with it. (No copies, says Conway.)

Driver's license.For this, you need to contact the state where you got your license for a replacement. Some information to start:

Louisiana: If you're in-state, the office of motor vehicles recommends going to a driver's license office in person, if possible, according to an online press release. Since it will have your signature and photo on file, you won't need any ID. If you're in a shelter, you can also call (225) 925-4610 or (225) 925-3993, according to the release.

If you're outside the state, you can download an application at www.expresslane.org. and fax it back to the office. Or call (225) 925-4195 or (877) 368-5463 and the office will fax an application to you. They will put your new license in the mail in about three days, according to the state Web site.

Mississippi: Go to http://www.dps.state.ms.us/dps/dps.nsf/divpages/hp2ds?OpenDocument.

Alabama: For information, visit http://www.dps.state.al.us/public/driverlicense/ or call: (334) 242-4400.

Birth, marriage and divorce records: For birth and marriage certificates and divorce papers, you need to be a little more of a detective. They'll be housed in a vital records department according to where the event (birth, divorce) took place. In some states vital records are kept in a central location in the state capital, while in others they are organized by the counties.

Dana Dratch is a freelance writer based in Atlanta.

Bankrate.com's corrections policy-- Posted: Sept. 12, 2005
 
 
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