Montana And Federal Consumer Law Is Our Specialty.
Your Financial Peace Of Mind Is Our Goal.
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:
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.
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.
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.
- Get a free copy of your credit reports
- 100 Tips for Improving Your Credit
- How to Dispute False Information on Your Credit Report
- Who Can Use Your Credit Report and How
- Learn More About Credit Reporting Bureaus
- Fair Credit Reporting Act (FCRA)
- CNBC: The Real Problem with Credit Reports is the Astounding Number of Errors
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.