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This pamphlet is a brief summary of the rules adopted by the Idaho Public Utilities Commission (PUC) concerning electric, natural gas, and water termination practices. The rules apply to all residential customers of investor-owned utilities in Idaho under the jurisdiction of the PUC such as Idaho Power, Avista Utilities, Intermountain Gas, Utah Power & Light, Pacific Power & Light, Citizens Utility, and United Water.
These rules do not apply to cooperative utilities or municipally owned utilities.
This brochure was prepared by Idaho Legal Aid Services, Inc. for the purpose of informing tenants of their rights and responsibilities in federal housing programs under current Idaho and federal law. It does not include other legal theories which have been adopted by other states but as yet not accepted by Idaho’s courts. At several points in the brochure, the tenant is advised to seek legal assistance of an attorney.
The purpose of this memorandum is to reiterate procedures for complaints processed by Fair Housing Assistance Program agencies that involve Low Income Housing Tax Credit properties.
In 1977, the Idaho Legislature passed a law which gives tenants a method of forcing landlords to make repairs. This pamphlet describes the law and gives some hints on how to use the law. We recommend you go through the following steps in this brochure if you have previously notified the landlord of the need for repairs and they have not been made.
En 1977, la legislatura de Idaho pasó una ley que le da al inquilino un método de forzar a los dueños a hacer reparaciones. Este folleto describe la ley y da algunas ideas en como usar la ley. Le recomendamos que usted siga los pasos siguientes si usted anteriormente le ha notificado al dueño de la necesidad de reparaciones y no han sido hechas...
Este folleto fue preparado por Idaho Legal Aid Services, Inc. con el propósito de informar a los
inquilinos de sus derechos y responsabilidades en los programas de vivienda federal bajo la ley de
Idaho y federal actual. No incluye otras teorías legales cuales han sido adoptadas por otros estados
pero aun no han sido aceptadas en los tribunales de Idaho. En varios puntos de este folleto, se le
aconseja al inquilino que obtenga ayuda legal de un abogado. Es especialmente importante para los
Payday loans are small cash advances, usually of $500 or less. To get a loan, a borrower gives a payday lender a postdated personal check or an authorization for automatic withdrawal from the borrower’s bank account. In return, he receives cash, minus the lender's fees. For example, with a $300 payday loan, a consumer might pay $45 in fees and get $255 in cash.
Payday lenders are not the only option for consumers facing debt problems.There are many alternatives to payday loans such as: small savings accounts or rainy-day funds; salary advances from employers; credit card advances; working out extended repayment plans with creditors; and loans from friends, relatives, religious institutions, or social service agencies. In addition, many lenders have developed lower-cost alternatives to payday loans that have better repayment terms.
If you happen to be behind on your payday loans and your checks keep bouncing, you may be worried about facing criminal prosecutions. Some “payday” lenders have been known to call and threaten borrowers to “pay or go to jail.” As a result many “payday” loan borrowers are terrified by threats of criminal prosecution. But if you are in this situation, you should not be scared by these “loan shark” threats...
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...
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