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Idaho Consumer Protection Manual - English and Spanish
Consumer fraud is a serious problem in Idaho, but, fortunately, it is often a preventable problem. As a consumer, you can protect yourself from fraud by understanding your rights and by making informed and intelligent decisions. El fraude al consumidor es Idaho, pero, afortunadamente, por lo general es un problema que se puede prevenir.  Como consumidor, usted se puede proteger del fraude conociendo sus derechos y tomando decisiones inteligentes y acertadas.
ConsumerProtectionManual.pdf , Idaho Consumer Protection Manual - Spanish - Espanol.pdf
HUD Approved Housing Counseling Agencies
HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.
VAWA Housing Toolkit for Advocates
The Violence Against Women Act: A Housing Toolkit for Advocates
VAWA Housing Toolkit.pdf
What is the Fair Housing Act?
The Fair Housing Act, Title VIII of the Civil Rights Acts, prohibits discrimination in housing. The Fair Housing Act Prohibits Discrimination in the Sale and Rental of Housing Based on a Person’s: Race Color Sex Religion National Origin Disability Familial Status (presence of children under 18 yrs. old) Why Fair Housing? Where you live determines:
HUD Predatory Lending
Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are suffering today because of a growing incidence of abusive practices in a segment of the mortgage lending market. Predatory mortgage lending practices strip borrowers of home equity and threaten families with foreclosure, destabilizing the very communities that are beginning to enjoy the fruits of our nation’s economic success.
HUD Resources
Design and Construction Resources HUD Design Manual - Fair Housing Guidelines: www.huduser.org Select publications on the left Select alphabetical listing on right Select "F" for fair housing Select Design Manual ANSI - American National Standards Institute 11 West 42nd Street New York, New York 10036 Can be purchased on-line from a variety of sources; cannot be reproduced Fair Housing Accessibility First
How Bankruptcy Can Give You Time To Catch Up On Mortgage Payments
You’ve fallen behind on your mortgage. The bank is demanding payment of the arrearages immediately. You don’t have the money but want to stay in your home. What can you do? First of all this is a common problem. Borrowers who fall behind on their mortgage are often hit with late fees and penalties that makes catching up seem impossible. To make matters worse, once you’ve fallen a few months behind your lender will “accelerate” the loan demanding the full principal balance to reinstate and avoid foreclosure...
What Is the Rule With Cars and Bankruptcy?
In Chapter 13 bankruptcy, you get to keep your car and pay off your car loan through a repayment plan.  Further, you may even be able to reduce the principal balance and interest rate on your car loan. Read on to learn more about what happens to your car in Chapter 13 bankruptcy....

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