The content below equips you to defend yourself when debt collectors, repossession agents, or garnishing creditors show up. It offers an Idaho-specific Claim of Exemption form to protect wages or bank funds, fill-in-the-blank letters to halt or dispute collection efforts, plain-language factsheets on credit- and debit-card rights, bilingual alerts on telemarketing scams, and step-by-step guidance for keeping Social Security and other benefits safe from seizure
The National Consumer Law Center (NCLC) has created Consumer Advice for Dealing with Debt Collectors. Their webpage covers the following information:
- Do Not Let Collectors Pressure You
- What Collectors Can Legally Do to Collect on a Debt
- Nine Ways to Stop Debt Collection Harassment
- Illegal Debt Collection Conduct
This webpage also includes example Cease and Desist or Stop Contact Letters, Exempt Income Letters, Dispute Letter, and Verification Letter to debt collectors.
Visit the links above or go to https://library.nclc.org/consumer-advice-dealing-debt-collectors%E2%80%94including-new-federal-rules for more information.
The National Consumer Law Center has created guides addressing your credit card and debit card protections and legal rights. For more information, please view the attached factsheets.
Telemarketing is a significant and legitimate business. At the same time, many Idahoans have suffered financial losses due to deception by unscrupulous telemarketers. Similarly, Idahoans report that the large number of calls they receive disturbs their peace and interrupts their family life.
Claim of Exemption from Levy Form blank template for use in the State of Idaho where someone has sued you and intends to levy your property.
