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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 GOP gubernatorial candidates sign anti-tax pledge

BOISE, Idaho (AP) - Three of Idaho's top Republican gubernatorial candidates have signed conservative activist Grover Norquist's famous anti-tax pledge. U.S. Rep. Raul Labrador and Lt. Gov. Brad Little signed the pledge earlier this week after being ...

Published:  Thu, 10 May 2018 15:39:00 GMT

Avista's Idaho customers to get rate credits from tax reform

Avista's Idaho customers could see about $7 in savings on their utility bills from federal tax reform. The Spokane-based utility has asked Idaho regulators for electric and natural gas decreases effective June 1. Earlier this year, the Idaho Public ...

Published:  Mon, 14 May 2018 13:38:00 GMT

Group launches bid to repeal Seattle's new tax on companies

Multiple news outlets reported that the group calling itself No Tax on Jobs began collecting signatures Friday ... A Boise woman has received the first allogeneic transplant in Idaho under a new cancer treatment program offered at St. Luke's Mountain ...

Published:  Sat, 19 May 2018 07:01:00 GMT

Ontario says no to one percent sales tax

BOISE, Idaho - Voters in Ontario have voted down a one percent retail sales tax for their city. City leaders suggested the tax after stretching funds to cover infrastructure and staffing costs. "We have cut back on the amount of streets that we have chip ...

Published:  Wed, 16 May 2018 02:24:00 GMT

Idaho tax commission suffers phishing attack

BOISE, Idaho (KIFI/KIDK) - The Idaho State Tax Commission is tightening its internal procedures after a sophisticated e-mail phishing attack compromised an employee's e-mail account Wednesday. The Tax Commission says it neutralized the threat within an ...

Published:  Fri, 11 May 2018 15:48:00 GMT

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