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Isn't it a violation of Idaho collection laws?

Submitted by Harold on Tue, 06/28/2016 - 22:52

A debt collection agency contacted me regarding 2 credit cards. I have set up a payment plan with them. Last month, I made my first payment. But the collection agency applied the payment to the second debt with high interest. I told them to apply the payment to the first debt. Still, they didn't listen to me. Is it legal in Idaho?

Follow up your call by sending a mail (with Return Receipt Request) to the collection agency. Also send a copy to the credit bureaus.
You can contact a debt settlement firm, who can negotiate with the debt collection agency on your behalf.
Also check out Idaho’s debt collection laws.

Submitted by Phil Bradford on Thu, 06/30/2016 - 19:39

Phil Bradford

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Did the debt collection agency give you a written payment plan? It will be hard for you to deal with the debt collection agency without having a written payment plan. What is the name of the collection agency? Don't make further payments unless you get a payment plan.

Submitted by ditchdebt on Thu, 06/30/2016 - 23:27


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