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Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
Many collection lawsuits are brought by companies called Debt Buyers. Debt Buyers pay money to other companies for the right to collect money owed to those companies. For example, you might owe $3,000 on a store credit card. After a while, the store may decide to sell the debt to a Debt Buyer for a few hundred dollars, instead of trying to collect it. Then the Debt Buyer will try to collect from you...
Idaho Legal Aid
Housing Advice Line: call us at (208) 746-7541 or apply online at our website.
www.idaholegalaid.org
Intermountain Fair Housing Council
208-383-0695 in Boise area or 1-800-717-0695 (toll free)
Idaho Human Rights Commission
208-334-2873 in Boise area or 1-888-249-7025 (toll free) or 208-334-4751 (TDD/TTY)
What is a manufactured home?
A manufactured home is a structure formerly known as a mobile home. It is built to the Manufactured Home Construction and Safety standards set by HUD and displays a red certification label on the outside of each transportable section. The certification is available only to those homes manufactured after June 15, 1976, when the standards were implemented
and cannot be received for any constructed prior to this date.
If you are having problems with debt collectors, watch this video to learn about your rights! Hear about your rights under the Fair Debt Collection Practices Act and state laws. Find out what you should do if you are being illegally harassed.
If you want to learn how to represent yourself, hear about common defenses against debt collectors, and gain knowledge of possible outcomes to your trial, then watch this video.
If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, watch this video to learn what you can do. Learn about one of your key defenses. Determine if you were served papers properly.
If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, learn what you can do.
The National Association of Consumer Advocates has created a series of videos providing information to consumers who are being sued on a debt. You can access those videos here:
https://www.consumeradvocates.org/for-consumers/debt-collection
Rental and utility assistance is available for low income families who are unable to pay their current rent or utilities due to the COVID-19 pandemic or the related economic crisis.
If you live within Ada County or the City of Boise, contact the Boise City Ada County Housing Authority for rent/utility assistance: https://erap.bcacha.org/.
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