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A voluntary form for filing a report with law enforcement and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit ftc.gov/idtheft to use a secure online version that you can print for your records.
Identity theft is when someone uses your personal information without your permission to obtain goods, services, or money. Your personal information includes: your name, address, social security number, credit card numbers, bank account numbers, mother’s maiden name, or other identifying information. Identity theft is a crime. Idaho Code 18-3126 governs identity theft and states that if the value of loss due to identity theft exceeds $300, then the theft is considered a felony. The punishment for felony identity theft is 5 years in prison and / or a $50,000 fine.
Identity theft is a serious and rapidly growing problem. In 2004 the Federal Trade Commission received 600 identity theft complaints from Idaho victims. This is up from 493 victims in 2003 and 361 victims in 2002. Credit card theft was the number one identity theft type reported by Idaho victims. Fortunately, there are steps you can take to reduce your risk of becoming a victim. You can protect yourself by understanding how identity theft is perpetrated, by understanding your rights and by making informed and intelligent decisions.
Are you a victim of housing discrimination? Fair housing is your right! If you have been denied your housing
rights, you may have experienced housing discrimination.
HUD handles complaints in several categories:
Housing discrimination: Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint.
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
Chances are you rely on your vehicle to get you where you need to go — and when you need to go — whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have adequate auto insurance, your vehicle could be taken away from you...
OK, so you can no longer afford your car. What to do? The first idea comes to you after a few intense discussions with your spouse or perhaps after a few beers. “I know, we’ll just give it back.” The next day you call the dealership and tell them why you can’t afford to make payments. Fully expecting to hear from that same understanding salesman that threw in the leather and sunroof at “factory” prices, instead you get the third degree about late fees and penalties.
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.”
It is not wise to try to keep a credit card when you file for bankruptcy , and always, always tell your attorney about all of your debt, including all of your credit cards...
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