MT Medical Debt

Montana Medical Debt Laws

Everything you need to know about medical debt in Montana: SOL is 5 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

5 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Montana

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Montana State Law

Montana Consumer Protection Act

File complaints: Office of Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Montana Consumer Protections

$250,000 homestead exemption

Strong debtor-friendly exemptions

Medical Debt Tips for Montana Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Montana

DebtShield generates AI dispute letters that cite Montana law (Montana Consumer Protection Act) and federal FDCPA protections.

Generate Montana Medical Debt Dispute Letter