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Debt Consolidation in Alaska

Alaska MapAccording to the Urban Institute, a third of Americans currently are delinquent on their debt. The average debt of Alaskans is $68,524, with 33.1 percent of that debt currently in collections. Consumers whose debt has gone into collections have rights during the collections process.

Under the Fair Debt Collection Practices Act, debt collectors are required to treat consumers fairly and are prohibited from engaging in certain practices in an attempt to recover money owed to creditors. The law prevents credit collection agencies from harassing consumers by requiring them to call only during set hours of the day, and never are they permitted to contact a consumer at their place of employment. Consumers also have the right to put a request in writing for the collection agency to stop calling them about the debt, which the agency must honor.

Other guidelines debt collection agencies must follow include not making false statements in an attempt to collect debt. For instance, a collection agency cannot misrepresent who they are when they call and they cannot say that a consumer be jailed for failure to pay debt. They may not issue threats to consumers including suggestions of bodily harm, as well as using profanity. Finally, improper disclosure to family, friends or coworkers. Debt collection agencies are not permitted to disclose the nature of a consumer?s debt to anyone except the consumer.

Even for consumers whose debt has entered the collections phase, it is not too late to consolidate debt to achieve lower monthly payments. A reputable credit counseling service can assist consumers in consolidating their debt into one low monthly payment. Under state law, creditors are required to work with consumers who qualify for debt consolidation.

 

Mayor proposes alcohol tax for Anchorage homelessness and substance abuse treatment services

Anchorage already taxes marijuana, Berkowitz said. A representative of the Alaska Cabaret, Hotel, Restaurant and Retailers Association -- a fierce opponent of recent alcohol tax measures in Anchorage ...

Published:  Mon, 12 Nov 2018 17:31:00 GMT



Alaska communities consider online sales tax

Communities across the state may start taxing online shopping. It's a proposal up for consideration by the Alaska Municipal League at its annual conference in Anchorage this week. Much of Alaska alrea...

Published:  Tue, 13 Nov 2018 12:47:00 GMT



Here's How Much the Tampon Tax Is Still Costing American Women

More than 100 million women and girls live in the 35 states that still tax tampons (five states - Alaska, Delaware, Montana, Oregon, and New Hampshire - effectively don't have any sales tax at all). N...

Published:  Sat, 10 Nov 2018 04:50:00 GMT



Anchorage Mayor Proposes Alcohol Tax to Fund Health, Safety

ANCHORAGE, Alaska (AP) - Anchorage Mayor Ethan Berkowitz has proposed asking voters to approve a 5-percent sales tax on alcohol that could support services to address homelessness and substance abuse. ...

Published:  Tue, 13 Nov 2018 21:53:00 GMT



Nevada Votes No To Tampon Tax: A Win For Menstrual Equity Movement

If we add the five states that don't have the general sales tax - Delaware, Alaska, Montana, New Hampshire and Oregon - that makes it now 15 states, plus the District of Columbia. The sales tax applie...

Published:  Thu, 08 Nov 2018 15:54:00 GMT



SC Gas Tax increase: Is it working

"All that's hard on your car." South Carolina still has the 42nd lowest gas tax in the country - just six cents higher than last place Alaska. For comparison, Georgia's gas tax is just over 31 cents p...

Published:  Mon, 12 Nov 2018 15:39:00 GMT



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