State Debt Laws
Idaho Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Idaho
Idaho (ID) - At a Glance
| State Consumer Protection Law | Idaho Consumer Protection Act |
| Source | Idaho Code ยง 48-601 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $800 in bank |
| Homestead Exemption | $100,000 |
Key Protections in Idaho
- FDCPA applies to third-party collectors
- Homestead exemption protects $100K in home equity
- Consumer Protection Act bans deceptive practices
Wage Garnishment in Idaho
After a court judgment, creditors in Idaho can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Idaho follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Idaho
If a debt collector violates the FDCPA or Idaho Consumer Protection Act:
- File with the Idaho Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)