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Consumer Protection

Montana And Federal Consumer Law Is Our Specialty.
Your Financial Peace Of Mind Is Our Goal.

  • Are you being harassed by debt collectors?
  • Was your paycheck just illegally garnished?
  • Finding mistakes on your credit report that no one will fix?
  • Trying to stop a foreclosure and getting the run-around from the mortgage servicer?
  • Wondering if bankruptcy would help your situation?

If you are facing these or other legal issues related to your finances, help could be on the way.
Montana Consumer Law Center assists with a variety of consumer legal issues, including:

  • Debt collector harassment
  • Credit report errors
  • Wrongful garnishment and levies
  • Debt settlement negotiation
  • Tenant rights
  • Unfair and deceptive business practices
  • Illegal mortgage servicing/foreclosure practices
Debt Collections

If you have debts that have been sent to collections, you could be sued by the debt collector. You will need to know how to file an answer in the lawsuit before the deadline, and defend your rights in court.

You also have certain rights when it comes to how a debt collector can treat you. The primary law regulating debt collectors is the federal Fair Debt Collection Practices Act, or the "FDCPA."  In a nutshell, debt collectors can't be abusive, harassing, or deceptive. The resources below can help you learn more about your rights when it comes to debt collectors. If you think a debt collector has violated your rights or broken the law, contact us today to see how we can help.

Wage Garnishment

Are your wages being garnished by a creditor who got a judgment against you?  In Montana, there are limits on how much your earnings can be garnished.  if you don't make very much, your earnings may be entirely exempt from garnishment.  This is also called being "collection-proof."

If you do make enough to be garnished, there are still limits on what can be taken out of your paycheck. Contact us to learn more.

Credit Reports

Everyone knows that credit reports are critical when it comes to getting a loan.  Did you know that it can also affect your ability to get a rental, a job, or car insurance?  Potential landlords, employers, and auto insurance companies can also look at your credit report.

But with alarming frequency, errors show up on people's credit report that can drop their credit scores causing serious consequences. Even worse, credit bureaus and creditors often do not take disputes seriously, causing months or even years of ongoing problems for the consumer. If you find yourself in this situation, having an attorney is critical. Contact us today for experienced advice and action.


If you are struggling to make your mortgage payment, chances are that you aren't sure where to turn for help. Loan servicers can be very difficult to deal with, even for homeowners who try their hardest to work things out. In some cases, the lender or loan servicers actions may even be illegal, resulting in legal claims the homeowner may have against the lender or loan servicer in court. However, there are often options available to help you get back on track and avoid default or foreclosure and keep your home.
If thoughts of missed mortgage payments or threatening foreclosure notices are keeping you up at night, we may be able to help. Contact Montana Consumer Law Center today for more information.

I called the collection agency after I talked to you and they are taking my name off of their list and returning the case to the creditor. They will not be pursuing collections with me!
Thanks so much for your help and advice - it really allowed me to call them with some confidence!" -- J.R

"I am so thankful for all that has been done to resolve this case. Thank you so much for all the hard work and dedication. There are no words to express how grateful we are to have lawyers such as yourselves, dedicated, kind, hardworking, and so knowledgeable. We are glad to have made the call. Again, our family thanks each and every one who did all they did to give us this closure to a long hard fight. You and your staff are truly amazing." -- K.T.

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Together, We Can Find Solutions.
But Delay Can Cost You Precious Legal Rights.

Call 406-721-3000 or email today.