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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?
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.
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 landlords and tenants of their rights and responsibilities. It attempts to summarize current Idaho law and to provide general legal information. For specific legal advice, please seek advice from an attorney. To see if you qualify for legal advice from Idaho Legal Aid Services, please click "Apply for Help" above.
Aunque haya un contrato por escrito o no, si hay un contrato entre el inquilino y el dueño. Si hay un contrato por escrito, el contrato gobernara como el dueño y el inquilino deberán actuar durante la tenencia, a menos que el contrato sea contrario a la ley o política publica. Si el dueño o el inquilino tienen preguntas sobre sus derechos o sus deberes, ellos deberían primero ver el contrato de arrendamiento para la respuesta, entonces ponerse en contacto con un abogado si tienen preguntas...
It’s a task that few of us look forward to: arranging for help to be there if, as senior citizens, we
are no longer able to care for ourselves. For 1.4 million seniors, that care comes in a nursing home
where most residents have their bills paid by the government through the Medicaid program. For
millions of others, that care comes from family members or paid providers, in homes or assisted living
facilities...
Temporary Reduction in Rent Agreement. Idaho Legal Aid has prepared a customizable template agreement to assist tenants and landlords who have agreed to a temporary reduction in rent due to the pandemic. The form is not interactive, but can be downloaded as a PDF or Word document. Scroll down to the bottom of this page to find these forms.
Please visit the Court Assistance Office (CAO) website for landlord-tenant self-help forms.
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