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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 tax panel raising valuations on irrigated farmland

The taxable value of irrigated farmland will increase by as much as 286 percent in Elmore County and 226 percent in Bonneville County as the Idaho State Tax Commission moves to make them comparable wi...

Published:  Thu, 06 Sep 2018 09:48:00 GMT



Adjust your paycheck withholding now to avoid a tax shock

BOISE, Idaho (KIFI/KIDK) - The Idaho State Tax Commission is urging you review your federal Form W-4 now to ensure you're withholding enough from your paycheck for state and federal income taxes. With ...

Published:  Wed, 12 Sep 2018 14:55:00 GMT



Budget office warns Idahoans may face bigger tax bills

The division says the shortfall could be attributed to an Idaho tax change Otter signed into law earlier this year that reduced individual state income tax rates. However, the divisions says another p...

Published:  Mon, 10 Sep 2018 14:22:00 GMT



Idaho Says It Will Grant Tax Relief to Victims of Hurricane Florence

BOISE, Idaho - The Idaho State Tax Commission said on Wednesday it will extend the deadlines to file and pay taxes for victims of Hurricane Florence in North Carolina and elsewhere. Taxpayers ...

Published:  Wed, 19 Sep 2018 13:10:00 GMT



Veteran teacher seeks Idaho schools chief post

"Idaho can do so much better for our kids ... Those levies, which collectively raised more than $190 million from local property tax payers, "aren't really supplemental," she said.

Published:  Wed, 19 Sep 2018 00:23:00 GMT



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