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Once a creditor sues and obtains a judgment (court order) against a debtor they must follow a legal process to obtain payment. The creditor collects on a judgment through a "Writ of Execution" which directs a sheriff to seize the debtor's money, property, or real estate to pay the debt (in limited situations, money or property may be taken before a court enters a judgment). A creditor must collect on the debt within five years after a court issues a judgment, although a creditor can renew a judgment for additional five year periods.
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.
Five Different Sample Letters to Send Debt Collectors
Wondering how to respond to a debt collector?
The Consumer Financial Protection Bureau created the following sample letters to help if you:
This section provides information on where to file a fair housing complaint; the information needed to file a complaint; and advice on what to expect during the complaint process. If you feel you have been discriminated against by a housing provider, filing a complaint can be a crucial way to protect you and prevent future discrimination in our community.
Housing discrimination based on your race, color, national origin, religion, sex, family status, or disability is illegal by federal law. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint.
Your fair housing rights are protected under Title VIII of the Civil Rights Act of 1968 (Fair Housing Act). If those rights have been violated, you can file a complaint with HUD.
Filing a Fair Housing Complaint
A complaint must be filed with HUD within one year of the date the discrimination occurred.
If you have an attorney, notify your attorney of the complaint.
Collect and review the documents pertinent to the complaint and make a list of potential witnesses to the incident in question.
It is a good idea to keep records on all prospective, current, and past residents. You should also have a written screening policy and documentation showing that policy is uniformly and consistently applied to each applicant.
Weigh the merits of the complaint based on your or your attorney’s review of the facts and relevant law
Idaho Legal Aid
Housing Advice Line: call us at (208) 746-7541 or apply online at our website.
www.idaholegalaid.org
Intermountain Fair Housing Council
208-383-0695 in Boise area or 1-800-717-0695 (toll free)
Idaho Human Rights Commission
208-334-2873 in Boise area or 1-888-249-7025 (toll free) or 208-334-4751 (TDD/TTY)
Are you being illegally harassed? If you are having problems with debt collectors, watch this video to learn about your rights under the Fair Debt Collection Practices Act and state laws.
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