ELDER LAW & DISABLED PERSONS

Paying for Long Term care costs

Medicaid planning
Medicaid denials & Appeals

Estate Planning

Special Needs Planning

Nursing Home Issues

Personal Protective Orders

Link- http://www.co.oakland.mi.us/seniors/program_service/

HELPFUL LINKS FOR ELDER LAW ISSUES:

 Elder Law of Michigan, Inc.

 Hotline 1-800-347-5297- for seniors over 60 yrs old. Or see http://www.legalhotline.org

For long term care facility issues- Long Term Care ombudsman  at 1-866-485-9393

For nursing home issues-Michigan Bureau of Health Systems at 1-800-882-6006 or see http://www.cis.state.mi.us/fhs/complaints/onlineform.htm

For complaints about homes for the aged and adult forster care facilities –The Bureau of family services at 1-866-856-0126 or see
http://www.michigan.gov/dhs

Predatory Lending Practice –Advocate Relief

If 3 or more of the following factors occurred with your transaction, you may have been a victim of predatory lending practice.

1.    Borrower walks away with cash

2.    Lines are filled in on the form

3.    Processing fee

4.    Prepayment penalty

5.    Balloon payment

6.    Pressured to buy

7.    Discouraged from talking to your children

8.    Rescue situation-having trouble with a loan, “let us help you”

9.    Home Repair Contractor Involved

10. Your own lender comes back and suggests you make home improvements

11. Lender suggests you buy insurance through them

 For Predatory lending practices- See the following helpful organizations and websites

Michigan Office of Financial and Insurance Services at 1-877-999-6442 or see www.michigan.gov/ofis

AARP’S Campaign Against Predatory Home Lending at 1-800-424-3410 or see www.aarp.org/homeloans

National Association of Consumer Advocates at 1730 Rhode Island Ave. NW, Ste. 805 Washington, DC 20036

Mortgage Bankers Association of America at 1-800-348-3931 or see www.stopmortgagefraud.com

Office of Financial and Insurance Services at 877-999-6442 or see http://www.michigan.gov/cis/0,1607,7-154-10555---,00.html

U.S. Department of Housing and Urban Development at www.hud.gov/consumer/

Federal Reserve Board at www.federalreserve.gov/consumers.htm

Federal Trade Commission at www.ftc.gov/bcp/menu-lending.htm

Before getting a Reverse Mortgage call the FREE REVERSE MORTGAGE AWARENESS HOTLINE: 1-877-238-1365 Ext 2010