I was impressed with how knowledgeable and very informative about Pacific Debt Cedric was. When I didn’t understand or I had a question he answered them to my satisfaction. He explained that only I could cancel my program, the guarantee, the billing where I chose the date to pay and instead of paying most of my check I pay less, which helps tremendously! I really appreciate the dedication and time he spent with me explaining the program. He also, told me if I have any questions before I get my account manager that I could call him and he gave me his information. Very nice! I am very excited about becoming debt free!
I was desperate, broke in my late 50s and didn’t want to claim bankruptcy. Kathie was very helpful in answering my questions and walking me throug the process. She took the time to talk about my concerns with this process.
Idaho contains wide open volcanic plains that grow excellent potatoes and onions to the rugged Rocky Mountains and a “bottomless” lake in the northern part. Idaho has a diverse economy based on manufacturing, agriculture, mining, forestry, and tourism. Idaho is ranked #39 for population and #45 for population density.
As of 2018, over 1.7 million people called Idaho home. Boise is the largest city in Idaho.
The median state income is $51,807. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 17.2% of Idahoan children under 18 live in poverty. For residents overall, 14.4% of all people in Idaho live under the poverty level.
Median state income: $51,807
Minimum wage: $7.25/hour
Children in poverty: 17.2%
People in poverty: 14.4%
More than half (69.9%) of Idahoans hold a mortgage. The median home price in Idaho is $232,500 (2018). Of course, that median price depends on the location with some areas being much higher.
Homeowner rate: 69.9%
Median home price: $232,500
Idaho has a current unemployment rate of 3.0%. However, the underemployment rate is 7.8%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.
If this is you, we can help. Pacific Debt offers Idaho debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
Unemployment: 3.0% (2018)
Underemployment: 7.8% (2017)
Idahoans carry a lot of debt. The average credit card debt is $8,570 (2018). The average student loan debt is $27,639. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Idahoans to get into debt.
Avg credit card debt: $8,570 (2018)
Avg mortgage debt: $163,370 (2017)
Avg student loan debt: $27,639 (2017)
Idaho Statute of Limitations
Idaho’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.
For debts taken out in Idaho, the following are the statutes of limitations for different types of debt.
Oral agreements: 4 years
Written contracts: 5 years
Promissory notes: 5 years
Credit cards and other revolving loans: 4 years
Idaho Debt Relief & Debt Consolidation
If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego.
We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.
It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.