Could I have an application form? http://www.folfg.com/loan-forgiveness-program/ atom hog advance payday loans richmond virginia disk addition  "It's not well understood by lay people in a lot of respects, and there are a lot of different practices, and this is one, that develop over time and become widespread," says Laura O'Donnell, a labor and employment law attorney at Haynes and Boone, a Texas-based law firm. Whether or not employers consult with lawyers, she says, they might think to themselves, "Everybody does it, or my neighbor down the street does it, so why can't we do it?"