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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.
Know about Elder Abuse
What is “elder abuse?”
Elder Abuse has many forms. It can mean any mistreatment of a senior. Examples include confinement, neglect, abandonment, bodily injury, unwanted sexual contact, verbal intimidation and threats, and financial exploitation.
Myth: “We don't have that problem in our community.”
Fact: Abuse is often not seen or recognized.
Basic Information about Idaho’s Laws for Seniors
Seniors and their family, neighbors, friends and caregivers will find this Guide helpful. The Guide gives general information about legal issues that seniors frequently encounter and offers practical options for each situation. It will also give direction on where to look and who to call for more detailed information.
The Aging and Disability Resource Center guided by the Idaho Commission on Aging (ICOA) serves Idaho's seniors and people with disabilities by safeguarding their rights, fostering self-sufficiency, providing counseling, and advocating on their behalf.
To equip assisted living and nursing facility staff with the know-how to prevent and spot the warning signs of elder financial abuse, the Consumer Financial Protection Bureau offers a guide to protecting residents from financial exploitation.
This brochure details what to expect during a chapter 7 or chapter 13 bankruptcy case.
Please use the link below to view an all-encompassing Internet Safety Guide for Seniors, which includes information on how to protect your computer, avoid common scams, how to recognize legitimate websites, and how to safely purchase items and use online banking and social media. This guide also includes information on what to do if your data has been breached.
This brochure provides information on different ways to manage decision-making as we age.
The Aging Safely website provides information regarding elder abuse and legal support, free online legal financial forms, and personal and internet safety forms.
For more information, please visit: https://agingsafely.us/.
Ageing Safely has developed the following three forms to help with consumer law issues or issues dealing with money and debt:
Letter to a creditor to request debt forgiveness when a bill is owed
Letter to a creditor to dispute a charge from a bank or company
Letter to a credit bureau to dispute an item on a credit report
Please visit Ageing Safely's website for links to these interactive forms: https://agingsafely.us/free-forms/.
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