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Below is a module created by Idaho Legal Aid Services related to common legal issues surrounding seniors or the elderly and protecting their home in relation to issues like Medicaid, foreclosure, deed, reverse mortgages, and letting others reside with you.. The module is available in English and Spanish.
What is predatory lending?
Predatory lending is the practice of preying on, or taking advantage of, an individual or group of people that may have a difficult time buying or refinancing a home such as people who may be poor, uneducated, elderly, or in a protected class. Under the Fair Housing Act, a protected class is a group of people who share common characteristics and are protected from discrimination on the basis of race, religion, national origin, color, disability, familial status, and gender.
How do I know if I've been a victim?
Pyramid schemes are among the oldest and most common consumer scams. While pyramid schemes may be disguised as “gift” programs or “networking” plans, they have certain things in common. Pyramids are illegal. Pyramids will fail. People will lose money.
For information, click on the guides below in English and Spanish/Espanol.
"Slamming" describes the practice of changing a consumer=s local or long distance company without the consumer's knowledge or consent.
The Federal Communications Commission (FCC) has rules that require a consumer's approval before a long distance carrier can be changed.
Idaho is one of several states that have laws prohibiting slamming. Unfortunately, some telephone companies use deceptive and misleading telemarketing techniques designed to trick people into giving authorization to switch telephone companies.
For information, please see the attachment below.
A predatory mortgage is a needlessly expensive home loan that provides no financial benefit to the gorrower in return fo the extra costs. In many cases, homeowners are deceived about the loan's true costs and terms or are pressured into signing loans they cannot afford. Many of these homeowners lose their homes to foreclosure.
Reverse mortgages are becoming popular in America. HUD's Federal Housing Administration (FHA) created one of the first. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements and more. You can receive free information about reverse mortgages in general by calling AARP toll free at (800) 209-8085.
Idaho Department of Finance Frequesntly Asked Questions (FAQ) about Consumer Finance.
In 1977, the Idaho Legislature passed a law which gives tenants a simple and quick method of forcing landlords to return security deposits that are owed to tenants...
En 1977, la Legislatura de Idaho pasó una ley cual le da a inquilinos una manera sencilla y rápida de forzar a los dueños a regresar los depósitos de seguridad que se les debe a los inquilinos...
If you’re looking for a job, you may see ads for firms that promise results. Unfortunately, some firms may misrepresent their services, promote outdated or fictitious job offerings, or charge high fees in advance for
services that may not lead to a job....
Those desperate to find work can sometimes fall victim to job placement and work-at-home
scams. /// Tips On Avoiding Employment Scams
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