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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.

 

In Tax-Free States, Businesses Squirm at Collecting Online Sales Taxes for Others

The New Hampshire case illustrates the complexities of collecting online sales taxes, especially for retailers in New Hampshire and the other four states (Alaska, Delaware, Montana and Oregon) that do...

Published:  Mon, 17 Sep 2018 19:49:00 GMT



Alaska monthly marijuana tax tops $1M for sixth time in 2018

ANCHORAGE, Alaska (KTUU) - Monthly marijuana tax revenues have topped $1 million for the fifth straight month and for the sixth time this year. The state said Wednesday that it had collected nearly $1 ...

Published:  Wed, 05 Sep 2018 18:38:00 GMT



Governor postpones panel's carbon tax proposal

Amid a tough race for re-election, Alaska Gov. Bill Walker (I) postponed the rollout of a state advisory board recommending a carbon tax, a politically charged issue that some say could jeopardize his ...

Published:  Fri, 14 Sep 2018 09:12:00 GMT



Stefanowski: We'll Never Tax Our Way To Prosperity

States without income taxes - even excluding the two sparsely populated oil-producing states of Alaska and North Dakota - are in far better shape fiscally than ours. Connecticut cannot balance its bud...

Published:  Sun, 09 Sep 2018 03:03:00 GMT



Sponsored: Is a state with no income tax - like Washington - better or worse

Seven U.S. states forgo individual income taxes as of 2018: Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming. Residents of New Hampshire and Tennessee are also spared from handing ...

Published:  Tue, 11 Sep 2018 11:25:00 GMT



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