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DebtShield

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ID Debt Laws

Idaho Debt Collection Laws

Know your rights in Idaho. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

5 years

Credit card SOL

5 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Idaho Collection Law

Idaho Collection Agency Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Idaho

Social Security
Unemployment
Workers' comp
Retirement accounts

Key Idaho Protections

Collectors must be licensed
$100,000 homestead exemption

Federal Laws (Apply in Idaho)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Idaho Debt Dispute Letter

DebtShield auto-cites Idaho laws + FDCPA