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 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. In 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
  • Use/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 stationary 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

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Montana Better Business Bureau

Pacific Debt 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 Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Montana Cities Served by Pacific Debt

Absarokee
Agency
Alberton
Alder
Amsterdam-Churchill
Anaconda-Deer Lodge County
Antelope
Arlee
Ashland
Augusta
Avon
Azure
Bainville
Baker
Ballantine
Basin
Bearcreek
Beaver Creek
Belfry
Belgrade
Belt
Big Arm
Bigfork
Big Sandy
Big Sky
Big Timber
Billings
Birney
Black Eagle
Boneau
Bonner-West Riverside
Boulder
Box Elder
Bozeman
Bridger
Broadus
Broadview
Brockton
Browning
Busby
Butte-Silver Bow (balance)
Camp Three
Cardwell
Carter
Cascade
Charlo
Chester
Chinook
Choteau
Circle
Clancy
Clinton
Clyde Park
Colstrip
Columbia Falls
Columbus
Conrad
Cooke City-Silver Gate
Coram
Corvallis
Crow Agency
Culbertson
Custer
Cut Bank
Darby
Dayton
De Borgia
Deer Lodge
Denton
Dillon
Dixon
Dodson
Drummond
Dutton
East Glacier Park Village
East Helena
East Missoula
Ekalaka
Elliston
Elmo
Ennis
Eureka
Evaro
Evergreen
Fairfield
Fairview
Fallon
Finley Point
Flaxville
Florence
Forsyth
Fort Belknap Agency
Fort Benton
Fortine
Fort Peck
Fort Shaw
Fort Smith
Four Corners
Fox Lake
Frazer
Frenchtown
Froid
Fromberg
Gardiner
Garrison
Geraldine
Gildford
Glasgow
Glendive
Grass Range
Great Falls
Greycliff
Hamilton
Hardin
Harlem
Harlowton
Harrison
Havre
Havre North
Hays
Heart Butte
Helena
Helena Valley Northeast
Helena Valley Northwest
Helena Valley Southeast
Helena Valley West Central
Helena West Side
Heron
Herron
Highwood
Hingham
Hobson
Hot Springs
Hungry Horse
Huntley
Hysham
Inverness
Ismay
Jefferson City
Jette
Joliet
Joplin
Jordan
Judith Gap
Kalispell
Kerr
Kevin
Kicking Horse
Kings Point
Klein
Knife River
Kremlin
Lakeside
Lame Deer
Laurel
Lavina
Lewistown
Lewistown Heights
Libby
Lima
Lincoln
Livingston
Lockwood
Lodge Grass
Lodge Pole
Lolo
Loma
Lonepine
Malmstrom AFB
Malta
Manhattan
Martin City
Medicine Lake
Melstone
Miles City
Missoula
Montana City
Moore
Muddy
Musselshell
Nashua
Neihart
Niarada
North Browning
Noxon
Old Agency
Opheim
Orchard Homes
Outlook
Ovando
Pablo
Paradise
Park City
Parker School
Philipsburg
Pinesdale
Plains
Plentywood
Plevna
Polson
Poplar
Power
Pryor
Radersburg
Ravalli
Red Lodge
Reed Point
Reserve
Rexford
Richey
Riverbend
Rocky Point
Rollins
Ronan
Roundup
Rudyard
Ryegate
Saco
Saddle Butte
St. Ignatius
St. Marie
St. Pierre
St. Regis
St. Xavier
Sangrey
Scobey
Seeley Lake
Shelby
Shepherd
Sheridan
Sidney
Simms
Somers
South Browning
Stanford
Starr School
Stevensville
Sunburst
Sun Prairie
Sun River
Superior
Terry
Thompson Falls
Three Forks
Toston
Townsend
Trout Creek
Troy
Turtle Lake
Twin Bridges
Ulm
Valier
Vaughn
Victor
Virginia City
Walkerville
Westby
West Glendive
West Havre
West Yellowstone
Whitefish
Whitehall
White Sulphur Springs
Wibaux
Willow Creek
Wilsall
Winifred
Winnett
Winston
Wisdom
Wolf Point
Woods Bay
Worden
Wye
Wyola

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