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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. There are a variety of steps you can take to protect your credit.
Power of Attorney Delegating Parental Powers to a Relative
An interactive form is available for free to seniors and low income individuals seeking a Power of Attorney delegating parental powers over a child to a relative. You can easily complete the form by answering a few simple questions.
On May 20, 2009, the President signed into a law a bill containing provisions protecting tenants living in foreclosed buildings. (The Protecting Tenants at Foreclosure Act is Title VII of Public Law 111-22).
These provisions immediately went into effect and are "self-executing", so no federal agency (such as HUD) is responsible for making them work. It is up to advocates to make sure that tenants, landlords, public housing authorities, courts, the legal community, and others involved in the foreclosure process are aware of these new rights for tenants.
Student loans are difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt “will impose an undue hardship on you and your dependents.”
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge. It’s not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility...
The government’s collection powers and your options to deal with student loan problems depend on whether you are just delinquent with your payments or whether you are in default. You are in default on most student loans if you fail to make payments for nine months. The entire loan balance becomes due once you default...
At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results so you may be asking yourself what to do next?
This document details your rights as a tenant of a foreclosure property.
Ageing Safely has developed the following three forms to help with consumer law issues or issues dealing with money and debt:
Letter to a creditor to request debt forgiveness when a bill is owed
Letter to a creditor to dispute a charge from a bank or company
Letter to a credit bureau to dispute an item on a credit report
Please visit Ageing Safely's website for links to these interactive forms: https://agingsafely.us/free-forms/.
This guide provides advice for renters in a foreclosure situation.
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