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Debt Consolidation in Idaho

Idaho MapAccording to the Urban Institute, 28.3 percent of consumers in Idaho have had their debt turned over for collections. Debt is sent to collections if it is more than 180 days overdue, which can negatively affect a consumerís credit rating for over seven years.

While the percentage may seem high, Idahoans actually have some of the lowest amount of debt in collections in the nation. Consumers who have had their debt turned over to collections still are afforded protections from both the state and federal governments on how that debt may be collected.

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 Idaho Department of Finance also requires collection agencies to be properly permitted to operate within the state. Agencies that obtain permits must adhere to Idaho statutes and rules in addition to federal law.

Consumers who wish to reduce their debt have options, even if that debt has been turned over for collections. Working with a consumer credit counseling agency can help consumers to negotiate lower monthly payments with creditors, or apply for debt consolidation programs if they qualify. As a last resort, consumers can file for bankruptcy; however, the ramifications of doing so will remain with them for up to seven years, affecting their ability to acquire new credit.


Idaho's surcharge on electric, hybrid cars far exceeds their impact on roads

In 2014, the INL completed a study of the impact of hybrid and electric vehicles on Idaho roads, compared to what gas-powered vehicle drivers were paying in gas taxes. That study, taking into account ...

Published:  Sat, 16 Feb 2019 23:07:00 GMT

Idaho short line rail tax credits lose steam

A proposed tax credit intended to encourage investment in Idaho's short line railroad systems - including one in north central Idaho - died on the House floor on a 42-28 vote Tuesday. Opponents ...

Published:  Wed, 13 Feb 2019 00:17:00 GMT

Idaho's individual income tax revenues lower than expected

BOISE (AP) - Idaho's tax revenues continued to lag behind forecasts last month, coming in nearly 22 percent lower than expected. Tax officials say the discrepancy is likely because people aren't withh...

Published:  Fri, 08 Feb 2019 11:18:00 GMT

The Best Inflation-Immune, Tax-Sheltering Bond You Can Buy

and exposed to tax ID fraud. Purchasing the bonds through Treasury Direct means adding one more account that is not connected to any other investment accounts through a single custodian. Light: And th...

Published:  Sat, 16 Feb 2019 06:38:00 GMT

Proposed tax credit for short line railroads spiked by Idaho House

BOISE - A proposed tax credit intended to encourage investment in Idaho's short line railroad systems - including one in north central Idaho - died on the House floor on a 42-28 vote Tuesday.

Published:  Wed, 13 Feb 2019 00:35:00 GMT

House panel united on e-bikes, divided on sales tax for roads

"Idaho is one of the fastest-growing states in the United States ... John Gannon, D-Boise, said the income tax cut lawmakers passed last year, which the Democrats opposed, means less money in the gene...

Published:  Thu, 14 Feb 2019 14:50:00 GMT

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