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Many older Americans have difficulty meeting their monthly expenses. A fixed income can’t always cover a senior’s needs, particularly unexpected needs associated with medical problems, home and car repairs, or even an old refrigerator that doesn’t work anymore. Unfortunately, there are few resources to help vulnerable seniors get through these hard times. Affordable small loans are hard to come by. As a result, many seniors end up with very high cost small loans, including payday loans...
A loan is borrowed money which must be repaid in one or more payments. Lenders charge interest on the amount you borrow. This means that you pay back more than you receive. This is how a lender covers the cost of doing business and makes profit. The higher the interest rate, the more you must repay. You should know that the lower the monthly payment, the longer it will take you to repay the loan and the more you will pay to borrow the same amount at the same interest rate.
See the attached guides in English and Spanish for more information.
Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.
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.
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?
The Center for Responsible Lending has created a list of five "Signs of Predatory Auto Finance Loans" that you may view below or view on their webpage: https://www.responsiblelending.org/issues/signs-predatory-auto-finance.
Signs of Predatory Auto Finance Loans
Don't get into car trouble: Learn to spot predatory auto finance loans.
The Center for Responsible Lending has created the following "8 Signs of Predatory Mortgage Lending", which you may find below or on their website: https://www.responsiblelending.org/issues/8-signs-predatory-mortgage.
The National Center for Transgender Equality (NCTE) has created an Idaho Name Change for Minors guide. It includes information on how to file the petition for a name change, the forms to use, parental consent, publication, and evidence the court will consider.
To view this guide, please open the PDF below or click here: Idaho Name Change for Minors Guide.
The Idaho Transportation Department has developed an application for a person to change the sex designation on an Idaho Driver's License or Identification Card to reflect one's gender identity.
To view and fill out this application, please download the attached form below or click here: Application to Change Your Gender Designation on Your Idaho Driver's License.
For instructions on how to change your sex designation on your social security card, please read the information below or visit the Social Security Administration's website here: Social Security Administration Instructions on Changing Your Sex on Your Social Security Card.
To change your gender on Social Security's records:
Step 1: Gather documents proving your:
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