Tips for consumer protection

Like other attorneys general, Lawrence Wasden's primary job is legal advisor to the state. "State" doesn't only mean government. What takes about as much time and staff resources is another function: consumer protection.

To that end the AG's office publishes materials on a variety of helpful topics. Three newly produced in 2010 address topics on many Idahoans' minds: affording a home and protecting children.

Readers may remember articles in 2009 about Apply 2 Save and APS Northwest Idaho, two loan modification companies who took unlawful advantage of homebuyers struggling to make payments in a tumbling economy. Just two of 10 alleged "rescue" scams investigated by the AG, the 89 percent increase in complaints and resulting lawsuits elicited two new consumer protection manuals, available free in print or as a .pdf at www2.state.id.us/ag/:

"Foreclosure Prevention and Foreclosure Scams: How to Tell the Difference" describes common fraud tactics, foreclosure laws and legitimate programs, and explains the foreclosure process in general, including what to expect step by step. It also offers tips to avoid foreclosure.

"Buying a home," aside from offering the basics for first-timers, repeats warnings about fraudulent mortgage loan offers, general loan laws and rules, credit scores, and identity theft and protection.

In addition, the AG's office updated its handy renters manual, "Landlord and Tenant Guidelines," adding provisions to protect and inform tenants whose landlords face foreclosure.

The newest consumer product is a joint effort by Mr. Wasden's staff and other state agencies. Appropriately encased in a more modern medium, "ProtecTeens" is available via CD or wave file at the same Web site. The video seeks to educate parents about dangers teens face from sexual predators who use the Internet to lure victims.

"(T)housands of Idaho children receive unwanted sexual material or solicitations over the Internet every year," states the site.

I can attest to the same; checking my child's e-mail or Web sites we find unsolicited items with ease. "ProtecTeens" and the Internet safety tab at the Web site include practical safeguards parents can employ to reduce that.

Those without Web access may call toll free (800) 432-3545.

Sholeh Patrick is an attorney and a columnist for the Hagadone News Network. E-mail sholehjo@hotmail.com.