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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.


Gov. Little touts new superpower: red-tape reform for 72,000 Idaho restrictions

After 25 years, they "determined that illegal drug users don't pay the tax, only stamp collectors." An entire chapter devoted to non-native phytophagous snails. Now Idaho and its rapid regulatory ...

Published:  Fri, 19 Jul 2019 14:58:00 GMT

Nigeria's introduces new tax ID system

At the South-west flag-off ceremony of the Tax Identification Number, Executive Chairman of Nigeria's Federal Inland Revenue Service (FIRS), Babatunde Fowler says the number will make the tax system ...

Published:  Fri, 19 Jul 2019 04:30:00 GMT

Homeowners are paying more and more of Idaho's property taxes

BOISE - Ada County Assessor Bob McQuade was exhausted as he wrapped up hearings in roughly 1,000 property tax appeals, all of which, by law, had to be completed by last Monday. "We've had so many ...

Published:  Sun, 14 Jul 2019 10:47:00 GMT

N Carolina judges keep alive lawsuit against voter ID law

A separate lawsuit by the state NAACP would void the voter ID constitutional amendment and a second passed last year capping income tax rates. Copyright 2019 The Associated Press. All rights reserved. ...

Published:  Fri, 19 Jul 2019 14:50:00 GMT

Weber, Local Reps to Host Property Tax Seminar

Bring your latest tax bill and a valid state ID or driver's license to this free workshop for advice from experts on how to file an appeal. For more information, please contact Rep. Weber's office at ...

Published:  Fri, 19 Jul 2019 09:03:00 GMT

Idaho submits Medicaid waiver request

would give people making between 100 and 138 percent of the poverty level the option of getting federal tax credits to buy insurance on the Your Health Idaho state exchange instead of going on ...

Published:  Thu, 18 Jul 2019 06:05:00 GMT

NAACP in voter ID, tax cap litigation appeal: Illegal actions have consequences

Illegal actions have consequences - that's the message the NAACP is sending to lawmakers in its response to an appeal of a court's decision to throw out the voter ID and tax cap ...

Published:  Tue, 16 Jul 2019 07:52:00 GMT

His View: The Idaho way? You can't be serious

in Idaho. That amounts to about $400 million in unclaimed wages that would create an additional $22 million in state tax revenue. These are quality, full-time, high-paying jobs with competitive ...

Published:  Fri, 19 Jul 2019 00:09:00 GMT

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