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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.

 

Report cautions states against reliance on sin taxes

Sin taxes accounted for 2 percent of state revenues in Alabama, the report says, ranking 43 rd among states. Only Idaho, Hawaii, Nebraska, Utah, California, Wyoming and North Dakota had lower percenta...

Published:  Thu, 19 Jul 2018 17:10:00 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



Idaho's new online sales tax law now in effect

A recent Supreme Court ruling doesn't appear to invalidate Idaho's new law regarding online retailers and sales taxes, but the issue likely will be discussed during the next legislative session. The I...

Published:  Sat, 07 Jul 2018 00:32:00 GMT



Boise residents push back against tax hike, Main Library project in budget hearing

Rising property tax bills and an expensive proposal for the new Main Library took center stage at Boise City Council's budget public hearing Tuesday night. Of the three residents who stood before coun...

Published:  Tue, 17 Jul 2018 21:00:00 GMT



Tampa man sent to federal prison for ID theft, $2M in tax fraud

A Tampa man will spend the next four years in federal prison and have to repay more than half a million dollars in connection with a host of tax return fraud and identity theft charges. Henry Flerijea...

Published:  Wed, 18 Jul 2018 05:15:00 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



Blackfoot, Nampa residents sentenced for tax fraud

A Blackfoot resident 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 ...

Published:  Sat, 07 Jul 2018 04:44:00 GMT



Machine Shops Use R&D Tax Credits for 3D Print and Industry 4.0 Technology Integrations

Research and Development tax credits are available for machine shops to shoulder ... links with a tool pre-setter to automatically enter tool length and diameter offsets, whilst a tool ID chip is link...

Published:  Fri, 20 Jul 2018 05:45:00 GMT



Philadelphia's tax on soda upheld by state Supreme Court

Philadelphia's tax on soda and other sweetened drinks was upheld on Wednesday when the state's highest court rejected a challenge by merchants and the beverage industry. The Supreme Court ruled the 1. ...

Published:  Wed, 18 Jul 2018 17:55:00 GMT



Ada County commission pushes foregone tax vote to July 24

Visser, however, felt the county had already raised property taxes too high. He gave a tearful testimony ... Xavier Ward covers Ada County for The Idaho Press. You can follow him on Twitter at @Xavier...

Published:  Tue, 17 Jul 2018 21:02:00 GMT



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