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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.


Bill proposes 15% tax on e-cigarettes, vaping equipment, to match cigarette tax

BOISE - Idaho would impose a 15 percent tax on e-cigarettes and vaping products, under legislation introduced in a House committee on Monday, but the bill likely won't get a hearing this year. Reps. ...

Published:  Mon, 18 Mar 2019 13:11:00 GMT

Bill would tax vape sales in Idaho

BOISE, Idaho - A bill has been introduced at the Statehouse that would put a 15% retail tax on vape sales in Idaho. Boise Democratic Rep. John Gannon is sponsoring the bill. Rep. Greg Chaney is the co ...

Published:  Mon, 18 Mar 2019 12:00:00 GMT

Idaho state lawmaker charged with tax evasion in Texas

The lawyer representing a first-term Idaho state lawmaker charged with tax evasion questioned the motivations of federal prosecutors. The Spokesman Review reports Republican Rep. John O. Green was ...

Published:  Mon, 18 Mar 2019 10:01:00 GMT

Idaho individual income tax collections start to increase

BOISE, Idaho (AP) - Idaho's individual income tax returns came in higher than expected in February, marking the first time that's happened since the start of the fiscal year. State officials have ...

Published:  Mon, 18 Mar 2019 11:33:00 GMT

Idaho House committee looks at pair of tax bills

BOISE - Bills dealing with the homeowner's property tax exemption and sales tax collections on internet sales were introduced Tuesday in the House Revenue and Taxation Committee. The first ...

Published:  Wed, 06 Mar 2019 00:08:00 GMT

Free shredding event scheduled for the week after Tax Day

During Secure Your ID Day, residents are encouraged to take advantage of the free services by shredding sensitive document, CDs, and floppy discs. "Properly destroying documents that carry information ...

Published:  Mon, 18 Mar 2019 13:47:00 GMT

New bill would add 15% tax to vape products, but it's just for discussion this year...

Gannon said, "The amount of 15 percent was picked as approximately coinciding with the cigarette tax that we presently have, that's 51 cents per pack. The amount to be raised is not known, because we ...

Published:  Mon, 18 Mar 2019 08:03:00 GMT

Alert: Clever tax scams are spreading like crazy online, how not to be a victim

Yes, tax season is once again in full swing ... A lot of modern Windows-based laptops can also come equipped with "Windows Hello" face or fingerprint ID. Watch out for suspicious-looking emails, too, ...

Published:  Mon, 18 Mar 2019 10:47:00 GMT

California governor dreamin' of fuel tax revenue reroute

Cities and counties that fail to help him meeting his goal would lose fuel tax dollars. "Local streets and roads funds may be withheld from any jurisdiction that does not have a compliant housing ...

Published:  Mon, 18 Mar 2019 15:17:00 GMT

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