Idaho Debt Relief

I would really like to thank Pacific Debt Inc for helping me get my life back in order. After having three back surgeries in less than one-month & on Cobra ins, it was breaking me financially. I used my credit cards to the max to pay for Dr’s, hospital & meds that weren’t pre-approved from the ins Co. through two of the surgeries, and the dir office. Plus I was off work for 8 months. I paid about all of it & saw an advertisement about PDI & I called.

It was the best call I ever made. They listened and was very understanding. They took my info and said they would call back and would work out a solution that would fit in my budget and they did!

PDI dealt with all my credit card companies, and interest, and my bills were less than half! It takes a long time for credit card companies to stop calling you, about 10-12 months but they will when they know PDI is working for you. It took me over four years to get my cards cleaned and my credit score is now back up.

May God continue to bless PDI and the work they do, and did for me, and can do for others like you.

Thanks so much!
Loretta

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 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

• 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.

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