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Debt Consolidation in Colorado

Colorado MapThe 2008 great recession wreaked financial havoc on a number of Americans. Although the federal government has declared the economy to be out of the woods and slowly rebounding, many consumers still are suffering with the debt they incurred due to lost jobs and stagnant salaries.

The average debt in Colorado is $74,340, with 31.2 percent of that currently in collections, according to statistics provided by the Urban Institute. Consumers who are struggling with debt have options in Colorado. They can seek credit counseling, apply for debt consolidation programs or, as a last resort, file for either Chapter 7 or Chapter 13 bankruptcy. While consumers decide which option is best for them, they have protections afforded to them from debt collection agencies.

Within the Fair Debt Collection Practices Act, collectors are required to treat consumers fairly and are prohibited 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.

Consumer credit counseling agencies are able to assist consumers with debt consolidation by negotiating on their behalf with creditors. Working with a credit counseling agency can help consumers to get out of debt in as little as two to four years. They also may be able to negotiate with creditors to lower the total amount owed.

 

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OPINION: It seems all but certain that, early next year, the Tax Working Group will advise the Government to adopt a capital gains tax. The idea is that you should pay tax on the wealth you gain as yo...

Published:  Mon, 17 Dec 2018 10:05:00 GMT



Colorado delays new online sales tax enforcement at least until May 31

The Colorado Department of Revenue announced Thursday it is delaying enforcement on its controversial changes to the state's sales tax collection rules from March 31 until at least May 31. Officials h...

Published:  Thu, 06 Dec 2018 16:57:00 GMT



France to introduce tax on large internet, tech firms

Paris, France | AFP | France will introduce its own tax on large internet and technology companies from January 1, Finance Minister Bruno Le Maire said Monday amid difficulties in finalising a new EU- ...

Published:  Mon, 17 Dec 2018 10:12:00 GMT



Colorado gives online retailers a temporary reprieve from new sales-tax rules

Online retailers who are worried about how to comply with Colorado's new sales-tax rules got a couple of months more to figure things out Thursday from the Colorado Department of Revenue. State offici...

Published:  Fri, 07 Dec 2018 04:16:00 GMT



Colorado delays enforcing new sales tax rules amid rising business concerns

Colorado officials have extended the grace period for businesses to comply with new rules on remitting sales taxes for online sales, giving state lawmakers more time to simplify the state's sprawling ...

Published:  Mon, 10 Dec 2018 08:38:00 GMT



Sobel & Co. Partner Shares Year-End Tax-Planning Tips

Year-end tax planning tips have always been a popular subject as the calendar turns to the fourth quarter, but as a result of the Tax Cuts and Jobs Act (TCJA) passed at the end of 2017, there is more ...

Published:  Mon, 17 Dec 2018 07:16:00 GMT



State delays implementation of new online sales tax rules

Colorado's new rules requiring online retailers who sell to customers in the state to collect and remit sales taxes officially went into effect Dec. 1. The state Department of Revenue is giving online ...

Published:  Tue, 04 Dec 2018 11:14:00 GMT



New sales tax rules in Colorado come with added cost to business owners, potentially consumers

DENVER -- New changes to Colorado's sales tax could have a big impact on small businesses for shipping this holiday season. The location-based sales tax went into effect this past Sat. Dec. 1. Some bu...

Published:  Mon, 03 Dec 2018 17:41:00 GMT



Colorado Supreme Court turns down Gov. John Hickenlooper's request to wade into tax debate

The Colorado Supreme Court on Monday turned down a request from Colorado Gov. John Hickenlooper to sort out conflicting tax pressures that have constrained the budgets of fire, library and school dist...

Published:  Mon, 03 Dec 2018 10:51:00 GMT



Historic tax credits help to spur economic growth in small towns across Colorado

Editor's Note: 'Our Colorado' stories help natives and newcomers navigate the challenges related to our rapidly growing state, including real estate and development, homelessness, transportation and m...

Published:  Sat, 15 Dec 2018 09:53:00 GMT



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