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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.
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
Forms for Current Guardians/Conservators and for a Complaint Against a Current Guardian or Conservator
A fillable PDF form for a Complaint against a guardian or conservator that may be filed with the court is available here: https://courtselfhelp.idaho.gov/docs/forms/GC_ComplaintForm.pdf.
For other fillable PDF forms related to guardianships or conservatorships, please visit the Court Assistance Office's webpage on Guardianship & Conservatorship: https://courtselfhelp.idaho.gov/Forms/Guardianship.
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.
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 brochure was created by Idaho Legal Aid Services, Inc. and advises seniors and their caregivers on available resources for caregivers, both legal and non-legal.
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
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