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Credit Card Debt Consolidation Help  in Montana
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
 
 
 
Montana  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to Montana consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
 
Pertinent Montana  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Montana consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Montana.)

Debt Collection

Montana follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

Maximum Interest Rate a Collection Agency Can Charge in Montana: 10%

Montana Wage Protection: 75% of disposable weekly earnings (after tax income) or 30 times federal hourly minimum wage, whichever is greater

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in Montana, the applicable statutes of limitations would be California's.)

Oral Agreements: 5 years
Written Contracts: 8 years
Promissory Notes: 8 years
Open Accounts (credit cards): 3 years

Bankruptcy Courts

Third Floor Courtroom, Federal Building, 215 1st Avenue North, Great Falls, MT

Second Floor Courtroom, Federal Building, 400 No. Main, Butte, MT

Fifth Floor Courtroom, Federal Building, 316 North 26th St., Billings, MT

201 East Broadway, Russell Smith Federal Building, Missoula, MT

The Community Room of the Justice Center, 920 S. Main, Kalispell, MT

Bankruptcy Exemptions

Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of Montana. For more information, follow this link: bankruptcy exemptions.

Real Estate, Auto, Personal Property

-Real property or mobile home you occupy to $100,000; sale, condemnation, or insurance proceeds exempt for 18 months
-Motor vehicle to $2500
-Appliances, household furnishings, goods, animals with feed, crops, musical instruments, books, firearms, sporting goods, clothing, and jewelry to $600 per item, $4500 total
-Burial plot
-Cooperative association shares to $500 value
-Health aids
-Proceeds from sale or for damage or loss of exempt property for 6 months after received

Insurance

-Annuity contract proceeds to $350 per month
-Disability or illness proceeds, avails, or benefits
-Fraternal benefit society benefits
-Group life insurance policy or proceeds
-Hail insurance benefits
-Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors

Public Benefits

-Aid to aged, disabled needy persons
-Crime victims' compensation
-Local public assistance
-Silicosis benefits
-Social Security
-Subsidized adoption payments to needy persons
-Unemployment compensation
-Veterans' benefits
-Vocational rehabilitation to blind needy persons
-Workers' compensation

Pensions

-ERISA-qualified benefits deposited over 1 year before filing or up to 15% of debtor's gross annual income
-IRAs and Roth IRA contributions and earnings before judgment filed
-Firefighters, police officers
-Public employees
-Teachers
-University system employees

Tools of Trade

-Implements, books, and tools of trade to $3000
-Uniforms, arms, accoutrements needed to carry out government functions
 
 
 
 
 

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