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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.


Tax changes to look out for this year

POCATELLO (KIFI/KIDK) - A question we should ask ourselves each year if we are witholding enough money to pay taxes this year. State officials are launching an Idaho-specific W-4 form to help taxpayer...

Published:  Sun, 20 Jan 2019 23:10:00 GMT

Idaho House passes 3 freshman members' first bills, amid hazing

the state Tax Commission said the law was unclear, and it would propose a bill to clarify it; that led to HB 15. "This is a taxpayer-friendly bill and very simple," Nichols told the House, "and will b...

Published:  Tue, 22 Jan 2019 01:22:00 GMT

Rise Gold Slowly but Surely Progressing High Grade Idaho-Maryland Project

The company is developing an exploration strategy for its fully owned Idaho-Maryland gold project ... and sentiment improved somewhat as usual after tax loss selling season, Rise hasn't been following ...

Published:  Mon, 21 Jan 2019 10:42:00 GMT

Bill to promote government transparency clears Idaho House

BOISE, Idaho (AP) - Idaho's House has approved a bill intended to promote government transparency by exempting public records requests from a sales tax on top of copying and other fees. The House pass...

Published:  Mon, 21 Jan 2019 16:47:00 GMT

Libertarian group in Idaho sues Boise for taxing mechanism

BOISE, Idaho (AP) - A libertarian think-tank in Idaho is suing Boise for diverting new tax revenue to fund the capitol city's urban renewal projects. The Idaho Statesman reported Friday that the Idaho ...

Published:  Sat, 19 Jan 2019 15:06:00 GMT

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