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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...
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.
In Project Out-Reach, each of the three ABA entities designates lawyers to work in teams to implement new or enhance existing school-based peer mediation programs. The lawyers agree to help the designated school for at least a full year. Start ABA Project Out-Reach in your community’s schools.
Idaho Department of Labor Job Search - Build your own customized job list.
In 2002, Idaho’s legislature passed a new law. Many individuals (and organizations) worked for many years to ensure passage of this new law. Those who are dedicated (and committed) to ensure justice and equality for Idaho’s farmworkers are interested in letting farmworkers know about this new law. By doing so, the farmworkers and their families can continue to learn about their rights.
This guide provides general information about federal and state labor laws. It is for informational purposes only and is not a substitute for the law. The federal Fair Labor Standards Act can be found at Title 29 United States Code, Chapter 8. State law regarding minimum wage requirements can be found at Title 44, Chapter 15, Idaho Code; and state law regarding the payment of wages can be found at Title 45, Chapter 6, Idaho Code. The farm labor contractor licensing law may be found at Title 44, Chapter 16, Idaho Code. If legal advice is required, an attorney should be contacted.
The Wage and Hour Section of the Idaho Department of Labor is responsible for administering Idaho's minimum wage law, wage payment law, and farm labor contractor licensing law.
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