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Debt Consolidation in Arkansas

Arkansas MapMore than a third of Americans are in debt, according to statistics from the Urban Institute. Southern states are particularly high in their rates of delinquency, including Arkansas, where over 40 percent of the population is struggling to make payments on time each month. The most common debt for Arkansas consumers is mortgage debt, at 61.1 percent.

Consumers who are struggling to keep up with monthly payments have options. Credit counseling, debt consolidation and, as a last resort, bankruptcy, are among them. Bankruptcy should only be considered as a last resort because it will remain on a consumerís credit report for up to seven years and can affect credit rating.

While consumers are working out their options for debt repayment, they are protected by federal law from shady collection practices. 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.

While there are a number of consumer credit counseling agencies and debt consolidation companies in the nation, it is best to stick with a company that is familiar with the proper practices in Arkansas that will be the most familiar with debt consolidation in the state.


Abortion Restriction, Internet Sales Tax First Bills Filed

LITTLE ROCK - A measure banning abortion based on a Down syndrome diagnosis and a proposal to require online retailers to collect Arkansas sales tax are among the first bills lawmakers filed ahead of ...

Published:  Fri, 16 Nov 2018 05:03:00 GMT

Asa's tax cuts heavily favor the rich

Numbers don't lie. Check out the latest analysis by Arkansas Advocates for Children and Families on winners and losers under Gov. Asa Hutchinson's plan to cut income taxes by more than $200 million ov...

Published:  Thu, 15 Nov 2018 13:04:00 GMT

First bills filed for '19 session include online sales tax measure, official state firearm and knife designations

The first bills filed for the General Assembly's 2019 session would bar abortion on the basis of a Down syndrome diagnosis, overhaul Arkansas' partisan elections, require online retailers to collect s...

Published:  Fri, 16 Nov 2018 00:30:00 GMT

Denton mulls tax incentives for Tyson Foods facility that could mean 100 jobs

Denton could extend roughly $750,000 in tax incentives to Tyson Foods if the company decides to construct a new storage and distribution center in the city. As reported by the Denton Record-Chronicle, ...

Published:  Fri, 16 Nov 2018 02:02:00 GMT

Arkansas governor's budget includes teacher raises, tax cut

LITTLE ROCK, Ark. - Arkansas' governor on Wednesday proposed a $5.7 billion budget for the coming year that sets aside money to raise minimum salaries for public school teachers and for his ...

Published:  Thu, 15 Nov 2018 05:39:00 GMT

Here are the new income tax brackets for 2019

Prepare your calculators. The Internal Revenue Service has updated its tax brackets for 2019. This year marks the first under the new Tax Cuts and Jobs Act, an overhaul of the tax code that resulted i...

Published:  Fri, 16 Nov 2018 07:30:00 GMT

Arkansas governor's $5.75B budget includes teacher raises, tax cut

"There are always other ways to spend money. But this budget meets our state obligations, funds necessary services, increases teacher pay, meets the needs of public safety and continues to reform our ...

Published:  Wed, 14 Nov 2018 12:41:00 GMT

Here comes the legislation: Internet sales tax, jungle primary, end of fiscal session

Dan Douglas of Bentonville. Douglas has filed: * The expected legislation to require Internet merchants to collect the sales tax on sales in Arkansas. It would apply to merchants with more than $100,0...

Published:  Thu, 15 Nov 2018 11:09:00 GMT

Asa Hutchinson Budget Includes Teacher Raises, Tax Cut

LITTLE ROCK - Arkansas' governor is proposing a $5.7 billion budget for the coming year that sets aside money for raising the minimum salaries for public school teachers and for his tax cut plan. Gov. ...

Published:  Wed, 14 Nov 2018 09:02:00 GMT

Funding for Arkansas roads called a 'priority'

"I believe if we're going to create new roads and opportunities in Arkansas, that we have to be able to set our own agenda," Hutchinson said. Hutchinson addressed four key agenda items facing the next ...

Published:  Thu, 15 Nov 2018 00:30:00 GMT

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