User talk:PRED24

Anybody know anything a non lawyer could understand regarding the ADA and the formation of contracts? In particular, at what level of mental "defect" does the disabled person lose her rights or capacity to "contract'. For example, a 22 year old adult female with a FSIQ of 32 would not be asked to cosign on a home loan, but if that person did sign what does the law say about her obligation to a potential lender?