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Consumer Issues for Seniors
   Debt Collection & Repossession Resources (Separate Website)
Consumer law resources relating to debt collection and repossession.
By: PALawHELP.org
  
   
   Getting Older and Going Places (Separate Website)
Information on benefits for older drivers and older riders.
By: Pennsylvania Department of Aging
  
   
   Nutrition Assistance for Older Americans This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. (Separate Website)
Fact Sheet providing information on federal programs that provide nutrition assistance to older Americans.
By: American Association of Retired Persons (AARP)
  
   
   Pennsylvania Health and Human Services Resource Guide (Separate Website)
The Pennsylvania Health and Human Services Resource Guide is your all-in-one handbook for the services that are available to you as a Pennsylvania resident.
By: Pennsylvania Department of Aging

    Read this in: Spanish / Español
  
   
   Protecting Yourself From Financial Exploitation This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
Information on how to prevent financial exploitation.
By: SeniorLAW Center (Philadelphia)
  
   
   Scams Targeting Seniors Senior Citizens in Pennsylvania (Video)
Three-part excerpt from Northwestern Legal Services' "Access to Justice" cable access television show broadcast on Erie Cablevision (Channel 2) in Erie, PA. June 28, 2007

Host: Robert Oakley, Esq., NWLS Director
Guests: Linda J. Williams, Esq., Chief Deputy Attorney General of PA and John Tokarczyk, Senior Supervisory Agent, PA Bureau of Consumer Protection

Part 1 - Help is available, overview of typical scams, filing consumer complaints, problems relating to credit. (8:26)

Part 2 - Identifying door to door scams, what to do if you suspect a scam, be leary of internet scams and an overview of some internet scams underway. (7:01)

Part 3 - Scams relating to door-to-door contractors, how to protect yourself, what is the Better Business Bureau and how it can help, problems with identify theft and how it may affect you. (12:30)

Click on title to view video.
By: Northwestern Legal Services
 
  
   
   Tax Tips & Information (Separate Website)
Information on matters relating to filing taxes, earned income tax credit and tax scams.
By: Northwestern Legal Services
 
  
   
   The Home Repair Contract This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
A Senior Citizen's Guid to Home Repair.
By: SeniorLAW Center (Philadelphia)
  
   
   Utility Resources (Separate Website)
Consumer law resources relating to utilities.
By: PALawHELP.org
  
   
   Abuse (Separate Website)
Information on the Pennsylvania Protection from Abuse Act from the Erie County Bar Association.
By: Erie County Bar Association
  
   
   Are You Being Threatened or Abused in your Home? (Separate Website)
Information on where you can get help if you are a victm of elder abuse or domestic violence.
By: Pennsylvania Department of Aging
  
   
   Eldercare Locator (Separate Website)
The Eldercare Locator connects older Americans and their caregivers with sources of information on senior services. The service links those who need assistance with state and local area agencies on aging and community-based organizations that serve older adults and their caregivers.
By: U.S. Department of Health and Human Services
  
   
   National Center on Elder Abuse (Separate Website)
Website dedicated to to helping national, state, and local partners in the field be fully prepared to ensure that older Americans will live with dignity, integrity, independence, and without abuse, neglect, and exploitation. The NCEA is a resource for policy makers, social service and health care practitioners, the justice system, researchers, advocates, and families.
By: U. S. Administration on Aging
  
   
   Pennsylvania Health and Human Services Resource Guide (Separate Website)
The Pennsylvania Health and Human Services Resource Guide is your all-in-one handbook for the services that are available to you as a Pennsylvania resident.
By: Pennsylvania Department of Aging

    Read this in: Spanish / Español
  
   
   Pennsylvania Resources on Elder Abuse (Separate Website)
Information on resources available to Pennsylvanians to deal with elder abuse.
By: National Center on Elder Abuse, U.S. Administration on Aging
  
   
   Protecting Yourself From Financial Exploitation This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
Information on how to prevent financial exploitation.
By: SeniorLAW Center (Philadelphia)
  
   
   Protection From Abuse
Information on the Protection From Abuse Act
By: Pennsylvania Legal Aid Network, Inc.

    Other Formats:   This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. PDF File
  
   
   Protection from Abuse This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. (Separate Website)
Consumer information pamphlet from the Pennsylvania Bar Association.
By: Pennsylvania Bar Association
  
   
   Protection From Abuse (PDF) This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. (Separate Website)
This fact sheet offers a brief overview of the Protection From Abuse Act.
By: Disability Rights Network of Pennsylvania
  
   
   Tax Tips & Information (Separate Website)
Information on matters relating to filing taxes, earned income tax credit and tax scams.
By: Northwestern Legal Services
 
  
   
   "Homeownership for All" Video Webcasts (Separate Website)
This series of webcasts gives you some brief, basic, easy-to-understand guidance about the homebuying process. Watch all five or select ones that best fit your current needs.
By: U.S. Department of Housing and Urban Development

    Read this in: Spanish / Español
  
   
   About Reverse Mortgages for Seniors - Section 255 - Home Equity Conversion Mortgages (HECM) (Separate Website)
This insured reverse mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. The loan, commonly known as HECM, is funded by a lending institution such as a mortgage lender, bank, credit union or savings and loan association.
By: U.S. Department of Housing and Urban Development

    Read this in: Spanish / Español
  
   
   Asked and Answered : Questions from Homeowners Like You (Separate Website)
Read responses to questions from homeowners like you.
By: Making Home Affordable.gov
  
   
   Avoiding Foreclosure (Separate Website)
Tips and information on how you can avoid having your home foreclosed.
By: Pennsylvania Department of Banking
  
   
   Borrower Frequently Asked Questions (Separate Website)
FAQ on the Making Home Affordable Program which offers two different potential solutions for borrowers: (1) refinancing mortgage loans, through the Home Affordable Refinance Program (HARP), and (2) modifying mortgage loans, through the Home Affordable Modification Program (HAMP).
By: Making Home Affordable.gov
  
   
   Buying a Home This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. (Separate Website)
Consumer information pamphlet from the Pennsylvania Bar Association.
By: Pennsylvania Bar Association
  
   
   Buying a Home (Separate Website)
Information and tips on buying a home.
By: Pennsylvania Department of Banking
  
   
   Considering a Home (Separate Website)
Information for you to consider as you consider whether to own or rent your home.
By: Freddie Mac

    Read this in: Spanish / Español
  
   
   Contact Your Mortgage Servicer (Separate Website)
Once you have determined if you are eligible for a Home Affordable Refinance or Modification, the next step is to contact your mortgage servicer to discuss your situation. Here is a list of servicers who have agreed to participate in the Home Affordable Modification program.
By: Making Home Affordable.gov
  
   
   Deceptive Home Improvement Contractors Complaints (Separate Website)
Information for home owners with HUD insured loans on avoiding deceptive home improvement contractors.
By: U.S. Department of Housing and Urban Development

    Read this in: Spanish / Español
  
   
   Disaster Housing Assistance Program (Video)
Information on the the Transitional Housing Closeout Program, the sucessor to the Disaster Housing Assistance Program. Video with captions.
By: U.S. Department of Housing and Urban Development
  
   
   Don't Be A Victim Of Loan Fraud - Protect Yourself from Predatory Lenders (Separate Website)
Informational brochure on loan fraud and the danger of predatory lendors.
By: U.S. Department of Housing and Urban Development

    Read this in: Spanish / Español
  
   
   Escrow Accounts: Frequently Asked Questions (Separate Website)
Frequently asked questions (and Answers) about Escrow Accounts.
By: Pennsylvania Department of Banking
  
   
   Frequently Asked Questions about the Homeowner's Emergency Mortgage Assistance Loan Program (Separate Website)
Questions and answers about the Homeowner's Emergency Mortgage Assistance Loan Program from the Pennsylvania Housing Finance Agency.
By: Pennsylvania Housing Finance Agency
  
   
   High Cost Predatory Home Loans: How to Avoid the Traps (Separate Website)
Information on how to protect yourself by knowing the warning signs of predatory loan practices.
By: Federal Citizen Information Center
  
   
   Home Affordable Modification Program (Separate Website)
If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification under this program to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.
By: Making Home Affordable.gov
  
   
   Home Affordable Refinance Program (Separate Website)
If you are a homeowner who is current on your mortgage payments but unable to refinance to a lower interest rate because your home value has decreased, you may be able to refinance under this program.
By: Making Home Affordable.gov
  
   
   Homeowners' Emergency Mortgage Assistance Program (HEMAP) (Separate Website)
Information on the Homeowners? Emergency Mortgage Assistance Program (HEMAP). This is a unique loan program designed to protect citizens who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure.
By: Pennsylvania Housing Finance Agency
  
   
   Homeowners' Emergency Mortgage Assistance Program Counseling Agencies This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page. (Separate Website)
Listing of Homeowners' Emergency Mortgage Assistance Program (HEMAP) Counseling Agencies. Counseling agencies prepare applications and forward information to PHFA for processing.
By: Pennsylvania Housing Finance Agency
  
   
   Homeowners Insurance (Separate Website)
List of publications and resources to help answer your questions and help you understand your options regarding Homeowners Insurance.
By: Pennsylvania Insurance Department
  
   
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