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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.

 

2 Honduran contractors charged with ID theft, fraud, tax evasion

JACKSONVILLE, Fla. - Construction contractors, shell companies and tax fraud -- those are some of the charges that have been filed against two Honduran citizens in U.S.District Court in Jacksonville. ...

Published:  Fri, 20 Jul 2018 13:23:00 GMT



Blackfoot woman sentenced for tax fraud

A Blackfoot woman was one of two Idaho women to recently plead guilty to tax fraud. Nancy Jensen, of Blackfoot, and Mandie Stacy, of Nampa, were each sentenced to jail time after pleading guilty in th...

Published:  Mon, 09 Jul 2018 20:53:00 GMT



Despite June shortfall, Idaho closes fiscal year with $100.7M budget surplus

Though Idaho's tax revenues fell short of forecasts for June, the state has now closed out the 2018 fiscal year $100.7 million ahead of expectations. That's despite a $19.3 million shortfall in the Ju...

Published:  Fri, 13 Jul 2018 13:35:00 GMT



"ėIt's just not wise': In past year, Trump's company repeatedly paid property taxes late

For tax purposes, Los Angeles County divides the property into eight ... But there was a mistake, he said: the Trump Organization had left off a required ID number, despite multiple reminders that the ...

Published:  Wed, 18 Jul 2018 05:00:00 GMT



Reminder - July 13 Paycheck Includes New Idaho Tax Withholding Rates

Recent tax laws mean significant changes to your withholding and the taxes you owe when you file your 2018 income tax return. The State Tax Commission recommends that all employees review and update t...

Published:  Thu, 12 Jul 2018 08:58:00 GMT



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