Idaho

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 the Idaho.

Income

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%

Homeowners


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

Employment

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)

Idaho Debt

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.

Debt Collection Laws

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Idaho.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Idaho.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Idaho Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Idaho Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Idaho Cities Served by Pacific Debt

Aberdeen
Acequia
Albion
American Falls
Ammon
Arbon Valley
Arco
Arimo
Ashton
Athol
Atomic City
Bancroft
Basalt
Bellevue
Blackfoot
Bliss
Bloomington
Boise City
Bonners Ferry
Bovill
Buhl
Burley
Butte City
Caldwell
Cambridge
Carey
Cascade
Castleford
Challis
Chubbuck
Clark Fork
Clayton
Clifton
Coeur d’Alene
Cottonwood
Council
Craigmont
Crouch
Culdesac
Dalton Gardens
Dayton
Deary
Declo
Dietrich
Donnelly
Dover
Downey
Driggs
Drummond
Dubois
Eagle
East Hope
Eden
Elk River
Emmett
Fairfield
Ferdinand
Fernan Lake Village
Filer
Firth
Fort Hall
Franklin
Fruitland
Garden City
Genesee
Georgetown
Glenns Ferry
Gooding
Grace
Grand View
Grangeville
Greenleaf
Hagerman
Hailey
Hamer
Hansen
Harrison
Hauser
Hayden
Hayden Lake
Hazelton
Heyburn
Hollister
Homedale
Hope
Horseshoe Bend
Huetter
Idaho City
Idaho Falls
Inkom
Iona
Irwin
Island Park
Jerome
Juliaetta
Kamiah
Kellogg
Kendrick
Ketchum
Kimberly
Kooskia
Kootenai
Kuna
Lapwai
Lava Hot Springs
Leadore
Lewiston
Lewisville
Lost River
McCall
McCammon
Mackay
Malad City
Malta
Marsing
Melba
Menan
Meridian
Middleton
Midvale
Minidoka
Montpelier
Moore
Moscow
Mountain Home
Mountain Home AFB
Moyie Springs
Mud Lake
Mullan
Murtaugh
Nampa
Newdale
New Meadows
New Plymouth
Nezperce
Notus
Oakley
Oldtown
Onaway
Orofino
Osburn
Oxford
Paris
Parker
Parkline
Parma
Paul
Payette
Peck
Pierce
Pinehurst
Placerville
Plummer
Pocatello
Ponderay
Post Falls
Potlatch
Preston
Priest River
Rathdrum
Reubens
Rexburg
Richfield
Rigby
Riggins
Ririe
Roberts
Rockland
Rupert
St. Anthony
St. Charles
St. Maries
Salmon
Sandpoint
Shelley
Shoshone
Smelterville
Soda Springs
Spencer
Spirit Lake
Stanley
Star
State Line
Stites
Sugar City
Sun Valley
Swan Valley
Tensed
Teton
Tetonia
Troy
Twin Falls
Ucon
Victor
Wallace
Wardner
Warm River
Weippe
Weiser
Wendell
Weston
White Bird
Wilder
Winchester
Worley

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