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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.

 

Restaurant owner jailed for tax evasion, wife gets home detention

Nalini Kumar knowingly signed false tax, GST and PAYE returns with the intention of evading ... More from Marty Sharpe "¢ Hawke's Bay Bureau Chief marty.sharpe@stuff.co.nz They could have repaid the de...

Published:  Tue, 13 Nov 2018 15:14:00 GMT



Colorado-Wide Taxes Are A Hard Sell With Voters. Local Taxes That's An Easier Ask

If you want to raise taxes in Colorado, success depends on how you ask. Exhibit A: Voters rejected all the statewide tax ballot measures on Election Day, but they approved some targeted, local tax inc...

Published:  Wed, 07 Nov 2018 19:54:00 GMT



The Home Front: From lodging taxes to mayors, local election results from across Colorado

"Grand Junction voters agreed Tuesday night to double the city's lodging tax in order to boost tourism and sporting events marketing and incentivize more direct flights into and out of Grand Junction ...

Published:  Wed, 07 Nov 2018 10:41:00 GMT



Wins, losses, and split decisions: Here's how Colorado school district tax measures fared

Voters in more than two dozen Colorado school districts agreed to tax increases on Tuesday, with some districts seeing success after several previous attempts failed. The districts ranged from the sta...

Published:  Wed, 07 Nov 2018 17:45:00 GMT



Colorado voters reject tax hikes to fund schools

Colorado voters on Tuesday rejected a proposal to raise income tax rates to fund public education in a state that has typically been averse to increasing taxes. Amendment 73 would have increased the s...

Published:  Tue, 06 Nov 2018 19:46:00 GMT



Residents concerned about potential Portage Co. wheel tax

PORTAGE CO., Wis. (WAOW) - Some Portage County residents are on edge after the possibility of a vehicle registration fee, or "˜wheel tax.' County leaders held a public informational meeting ...

Published:  Mon, 12 Nov 2018 20:11:00 GMT



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