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A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
As with most legal questions, the answer is fact specific. The instant a bankruptcy case is filed, your creditors are prohibited by law from contacting you, attempting to collect a debt and yes, they are also prohibited from foreclosing on your home. Even if your home is scheduled to be sold at foreclosure tomorrow and you file bankruptcy today, an injunction called the automatic stay will temporarily sheild you from creditors, forcing your lender to immediately cease and desist with foreclosing.
The attached guide details the process of determining interests in real property (real estate and land) between an unmarried couple, where each person's name is on the deed, and the couple is now separating or separated.
This guide was created by Idaho Legal Aid Services, Inc. to provide general information regarding community property and separate property in a divorce and how the court divides property.
If you are in need of specific legal advice, please consult with an attorney.
Please find attached a template letter that you can use to request information from your mortgage servicer for information regarding escrow accounts if your mortgage loan is currently in forebearance.
This guide was created by Idaho Legal Aid Services, Inc. to explain housing rights and protections a domestic violence survivor has under federal and state law.
For more information, please see the guide below.
If you are a facing a divorce and you are not sure how community debt will be determined or divided in your case, please view Idaho Legal AId Service's Community Debt Guide below.
If you need help with an SSI or SSDI overpayment issue, you can complete a form asking Social Security to waive repayment or lower the rate of repayment of the overpayment. For more information and a self-guided tool, please visit the Suffolk Lit Lab's website here:
https://apps.suffolklitlab.org/run/ssioverpayment/#/1
The Suffolk Lit Lab has developed a form to help people on SSI or SSDI create a letter to report changes to Social Security that might affect their benefits and to avoid any possible overpayments. For more information, visit their website here: https://apps.suffolklitlab.org/run/ssareportchangesletter/#/1
Attached is a Word.doc template for a Motion for Temporary Orders for temporary custody, visitation, and/or support in a pending family law matter. You may use this template to draft your own motion.
Please review the advice and additional documents needed for this motion in the Temporary Orders Packet, created by Idaho Legal Aid Services, the Idaho Law Foundation, and the Women's and Children's Alliance, attached.
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