Everything you need to know about phone & telecom debt in Montana: the statute of limitations is 5 years, garnishment is capped at 25% of disposable earnings, and 2 state-specific protections apply to your case.
5 years
Statute of limitations (open/revolving accounts)
$500
Avg. phone & telecom debt in US
25% of disposable earnings
Garnishment limit
In Montana, phone & telecom debt falls under open/revolving accounts with a statute of limitations of 5 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Montana law.
Credit/Open
5 years
Written
8 years
Oral
5 years
These strategies combine federal FDCPA protections with Montana-specific laws like the Montana Consumer Protection Act.
In Montana, the SOL for this debt type is 5 years — check if your debt has expired.
If a collector wins a judgment for phone & telecom debt in Montana, garnishment is limited to: 25% of disposable earnings.
Montana Consumer Protection Act
File complaints: Office of Consumer Protection
These Montana-specific protections apply to your phone & telecom debt case:
All Montana Debt Laws
SOL, garnishment, protections for all debt types
Phone & Telecom Debt Dispute Guide
Strategies, laws, and tips nationwide
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