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.