Creditors are very likely to report the delinquencies to one or more credit bureaus, thus harming the credit record. In Idaho they may seek a judgment and court order to garnish wages; that is, an order to an employer to pay directly to the credit grantor some portion of your wages. Federal law sets a limit on what portion may be taken, and many state laws are even more protective. But if they have a good income, the probability is that some of it is subject to garnishment.
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This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified foreclosure lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local foreclosure attorney to discuss your specific legal situation.