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Equity-rich, cash poor elderly homeowners are an attractive target for unscrupulous mortgage lenders. Many elderly homeowners are on fixed or limited incomes, yet need access to credit to pay for home repairs, medical care, property or municipal taxes, and other expenses. The equity they have amassed in their home may be their primary or only financial asset. Predatory lenders seek to capitalize on elders’ need for cash by offering “easy” credit and loans packed with high interest rates, excessive fees and costs, credit insurance, balloon payments and other outrageous terms...
Idaho Legal Aid Services Fair Lending Project:How to Escalate Your Case
File a Complaint against the Bank at:
https://appsec.helpwithmybank.gov/olcc_form/
When You File a Bank Complaint On-line:
Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.
ILAS Fair Lending Project poster, which identifies some common warning signs of predatory lending, is available for printing and posting at your business.
Two video clips on exapmles of good and poor lending, as well as some common questions and tips related to predatory lending, such as:What is predatory lending?How do I know if I've been a victim?Fair Housing Advice12 Tips to Help You be a Smarter Housing Consumer
Idaho Legal Aid Services Fair Lending Project:
How To File A Complaint Against Your Lender
This section examines the requirements of the federal Fair Housing Act pertaining that prohibit discrimination in mortgage lending and servicer practices. This section includes information on foreclosures and foreclosure prevention.
In October 2011, Idaho Legal Aid Services (ILAS) was awarded funds to form the Idaho Coalition Against Identity Theft (ICAIT) to serve Idaho identity theft victims. The Maryland Crime Victims' Resource Center awarded ILAS funds from the U.S.
Discrimination in mortgage lending is prohibited by the Fair Housing Act. The Act makes it unlawful to engage in discriminatory practices based on race, color, national origin, religion, sex, familial status or handicap (disability). Examples of discrimination in lending include:
Identity theft is a crime in which an impostor uses the name, social security number, and/or other identifying information of a victim to open credit accounts, use existing credit accounts, provide the victim's name to police during an arrest, or gain other benefits such a medical service, employment, or government benefits by using the victim's identity.
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