Montana Debt Relief
Reduce Your Credit Card Debt By Up To Half
Pacific Debt Relief offers the only solution that significantly reduces your debt to less than you currently owe. That means you get debt-free in a fraction of the time it would take with other options.
Save thousands by lowering your debt balance and wiping away years of future interest and payments. Call today for a FREE consultation!
Montana Debt Relief Reviews
State of Montana Department of Justice Office of Consumer Protection 2020 Certificate
Montana Better Business Bureau
Pacific Debt Relief is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.
Montana
Montana is truly the Big Sky country. Home to Glacier National Park and Custer Battlefield, Montana ranges from wheat on the eastern plains to the rugged Rocky Mountains on the west. Montana has a diverse economy based on agriculture, tourism, timber, and mining. Montana is ranked #43 for population and #48 for population density.
As of 2018, over 1 million people called Montana home. Billings is the largest city in the Montana.
Income
- Median state income: $50,027
- Minimum wage: $8.30/hour
- Children in poverty: 14.8%
- People in poverty: 13.3%
Homeowners
More than half (67.6%) of Montanans hold a mortgage. The median home price in Montana is $224,400 (2018). Of course, that median price depends on the location with some areas being much higher.
- Homeowner rate: 67.6%
- Median home price: $224,400
Employment
Montana has a current unemployment rate of 4.1%. However, the underemployment rate is 8.5%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time, or are not seeking employment.
If this is you, we can help. Pacific Debt Relief offers Montana debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
- Unemployment: 4.1% (2018)
- Underemployment: 8.5% (2017)
Montana Debt
Montanans carry a lot of debt. The average credit card debt is $9,759 (2018). The average student loan debt is $26,280. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Montanans to get into debt.
- Avg credit card debt: $9,759 (2018)
- Avg mortgage debt: $175,730 (2017)
- Avg student loan debt: $26,280 (2017)
Montana Statute of Limitations
Montana’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.
For debts taken out in Montana, the following are the statutes of limitations for different types of debt.
- Oral agreements: 5 years
- Written contracts: 8 years
- Promissory notes: 5 years
- Credit cards and other revolving loans: 8 years
Montana Debt Relief & Debt Consolidation
If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top ranked debt relief company located in San Diego.
We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills, and repossessions.
It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.
Debt Collection Laws
Montanans are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. n addition, the Montana Fair Debt Collection Practices Act (MFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.
Overall, debt collectors can NOT:
- Charges more than 10% interest
- Garnish more than 25% of wages
- U se/threaten physical force or criminal tactics to harm you, your property, or your reputation
- Accusing you of committing a crime for not paying the debt
- Make/threaten to make defamatory statements to someone else
- Threaten arrest, to seize assets, or garnish wages unless actually planning to take such action
- Use obscene or profane language
- Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
- Call you repeatedly or let your phone ring repeatedly
- Call frequently
- Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
- Reveal information about debt to anyone except your spouse or your parents if a minor.
- Publicly publish your name for failing to pay
- Send a postcard or letter with revealing information on the envelope
- Claim to be someone other than a debt collector, including a governmental official
- Use stationery that appears to be from a law firm
- Charge you collection or attorney’s fees unless legally allowable
- Threaten to report you to a credit reporting agency if they have no intention of doing so
- Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is
Debt collectors must:
- Disclose caller identification
- May contact your family to locate you
- Must serve you with notice of a lawsuit if suing you
Bankruptcy Court Information
Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Montana.
Persons filing for bankruptcy must:
- Complete credit counseling within six months before filing for bankruptcy.
- Complete a financial management instructional course after filing bankruptcy.
- Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
- Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
- Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
- File for bankruptcy
- Chapter 7 bankruptcy fee is $306
- Chapter 13 bankruptcy fee is $281
- Meet with court assigned bankruptcy trustee
- Attend a Meeting of Creditors
- Confirm plan if filing for Chapter 13 bankruptcy
Providing Debt Relief for Montana Cities
Absarokee
Amsterdam-Churchill
Ashland
Bainville
Bearcreek
Belt
Big Sky
Black Eagle
Box Elder
Broadview
Butte-Silver Bow (balance)
Cascade
Choteau
Clyde Park
Conrad
Crow Agency
Darby
Denton
Drummond
East Missoula
Ennis
Fairfield
Flaxville
Fort Benton
Fort Smith
Frenchtown
Garrison
Glendive
Hamilton
Harrison
Heart Butte
Helena Valley Southeast
Herron
Hot Springs
Inverness
Joliet
Kalispell
Kings Point
Lakeside
Lewistown
Lincoln
Lodge Pole
Malmstrom AFB
Medicine Lake
Montana City
Nashua
Noxon
Outlook
Park City
Plains
Poplar
Ravalli
Rexford
Rollins
Ryegate
St. Marie
Sangrey
Shepherd
Somers
Stevensville
Superior
Toston
Turtle Lake
Vaughn
Westby
Whitefish
Willow Creek
Winston
Worden
Agency
Anaconda-Deer Lodge County
Augusta
Baker
Beaver Creek
Big Arm
Big Timber
Boneau
Bozeman
Brockton
Camp Three
Charlo
Circle
Colstrip
Cooke City-Silver Gate
Culbertson
Dayton
Dillon
Dutton
Ekalaka
Eureka
Fairview
Florence
Fortine
Four Corners
Froid
Geraldine
Grass Range
Hardin
Havre
Helena
Helena Valley West Central
Highwood
Hungry Horse
Ismay
Joplin
Kerr
Klein
Lame Deer
Lewistown Heights
Livingston
Lolo
Malta
Melstone
Moore
Neihart
Old Agency
Ovando
Parker School
Plentywood
Power
Red Lodge
Richey
Ronan
Saco
St. Pierre
Scobey
Sheridan
South Browning
Sunburst
Terry
Townsend
Twin Bridges
Victor
West Glendive
Whitehall
Wilsall
Wisdom
Wye
Alberton
Antelope
Avon
Ballantine
Belfry
Bigfork
Billings
Bonner-West Riverside
Bridger
Browning
Cardwell
Chester
Clancy
Columbia Falls
Coram
Custer
De Borgia
Dixon
East Glacier Park Village
Elliston
Evaro
Fallon
Forsyth
Fort Peck
Fox Lake
Fromberg
Gildford
Great Falls
Harlem
Havre North
Helena Valley Northeast
Helena West Side
Hingham
Huntley
Jefferson City
Jordan
Kevin
Knife River
Laurel
Libby
Lockwood
Loma
Manhattan
Miles City
Muddy
Niarada
Opheim
Pablo
Philipsburg
Plevna
Pryor
Reed Point
Riverbend
Roundup
Saddle Butte
St. Regis
Seeley Lake
Sidney
Stanford
Sun Prairie
Thompson Falls
Trout Creek
Ulm
Virginia City
West Havre
White Sulphur Springs
Winifred
Wolf Point
Wyola
Alder
Arlee
Azure
Basin
Belgrade
Big Sandy
Birney
Boulder
Broadus
Busby
Carter
Chinook
Clinton
Columbus
Corvallis
Cut Bank
Deer Lodge
Dodson
East Helena
Elmo
Evergreen
Finley Point
Fort Belknap Agency
Fort Shaw
Frazer
Gardiner
Glasgow
Greycliff
Harlowton
Hays
Helena Valley Northwest
Heron
Hobson
Hysham
Jette
Judith Gap
Kicking Horse
Kremlin
Lavina
Lima
Lodge Grass
Lonepine
Martin City
Missoula
Musselshell
North Browning
Orchard Homes
Paradise
Pinesdale
Polson
Radersburg
Reserve
Rocky Point
Rudyard
St. Ignatius
St. Xavier
Shelby
Simms
Starr School
Sun River
Three Forks
Troy
Valier
Walkerville
West Yellowstone
Wibaux
Winnett
Woods Bay
Disclaimer: In some states, PDR may not be able to offer our services directly due to state regulations related to debt settlement. In those instances, PDR will refer you to a reputable debt relief provider or attorney firm for assistance with your debt. We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state. The information included on this site is for educational purposes only.