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Refinancing is a process in which you pay off one or more existing debts with a new home loan. If you have perfect credit, refinancing is sometimes a good way to obtain a lower interest rate or to convert a variable rate loan to a fixed rate. However, if you are in the midst of financial difficulties, if you have too much debt, or if you have bad credit, refinancing is loaded with pitfalls. We recommend that you be very careful whenrefinancing debts. Many refinancing loans hurt consumer. Here are twelve things to consider before refinancing...
Have interest rates fallen? Or do you expect them to go up? Has your credit score improved enough so that you might be eligible for a lower-rate mortgage? Would you like to switch into a different type of mortgage? The answers to these questions will influence your decision to refinance your mortgage. But before deciding, you need to understand all that refinancing involves. Your home may be your most valuable financial asset, so you want to be careful when choosing a lender or broker and specific mortgage terms.
Forms for Current Guardians/Conservators and for a Complaint Against a Current Guardian or Conservator
What is expungement?
Expungement means the sealing, removal, or destruction of records related to a past criminal case.
What is an expungement?
An expungement is the sealing, removal, or destruction of records related to a past criminal case.
What records can be expunged?
Under Idaho law, most convictions, charges, or arrests from when you were under age 18 can qualify for expungement. However, certain more serious crimes cannot be expunged, such as: murder, voluntary manslaughter, rape, arson, aggravated battery, drug trafficking, or injury to a child.
This brochure provides information on different ways to manage decision-making as we age.
This brochure was created by the Idaho Court Assistance Office and provides information on common questions and answers related to guardianships and conservatorships, and is designed to help you understand what a legal guardianship or conservatorship is, how it is obtained, and describes the responsibilities of a guardian and/or conservator.
This guide by the Self-Advocacy Speaker's Network details how supported decision making may be an alternative to a guardianship for a disabled adult.
This guide goes through the general process of a civil lawsuit in Idaho.
The Consumer Finance Protection Bureau has created a Guide to Managing Another Person's Finances that may be useful to those who have a Financial Power of Attorney for another or act as a guardian or conservator for another person: https://www.consumerfinance.gov/consumer-tools/managing-someone-elses-money/.
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