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Idaho Collections Questions & Answers

1 Answer | Asked in Collections for Idaho on

Q: How long after my vehicle has been repossessed and sold should I receive a letter from the creditor about the sale?

My vehicle was repossessed. The amount I still owed was $5700. I received a letter 3 months later saying it was sold. It didn't say for how much. The finance company closed out the account as a paid repossession. But during all that time it sold the account to a debt collector who is trying to... Read more »

Kevin M Rogers answered on Nov 22, 2018

Idaho law provides five (5) days for you to replevin (recover) your car. Once the lien holder has presented the paperwork showing the note, the judgment and the order for sale to satisfy the amt. due, it will be sold VERY quickly.

1 Answer | Asked in Banking, Bankruptcy, Collections and Consumer Law for Idaho on

Q: debt collection cases

Kevin M Rogers answered on Oct 15, 2018

All debt collection STOPS as soon as you file ANY chapter in bankruptcy. If you’re behind on a car payment and you file bcy the collection against you will stop immediately. Same with a house if you’re behind on your mortgage. However the collection on these two kinds of debts will start again... Read more »

1 Answer | Asked in Business Law and Collections for Idaho on

Q: Collection company still collect after debt has been written off?

Credit card company has my debt written as a tax write-off. Collection company is still trying to collect. If the first company writes off the debt, can a collection company collect off of it?

Michael Hales answered on Feb 14, 2018

My understanding is that they can. The company wrote off the debt when they sold your account to the collection company. I'd recommend reviewing the whole situation with an attorney.

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