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DebtShield

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MT Debt Laws

Montana Debt Collection Laws

Know your rights in Montana. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

5 years

Credit card SOL

8 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Montana Collection Law

Montana Consumer Protection Act

File complaints with: Office of Consumer Protection

Income Protected from Garnishment in Montana

Social Security
Unemployment
Workers' comp
Pension

Key Montana Protections

$250,000 homestead exemption
Strong debtor-friendly exemptions

Federal Laws (Apply in Montana)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Montana Debt Dispute Letter

DebtShield auto-cites Montana laws + FDCPA