MontanaMontana

Disputing a Debt

Information and Forms

  • Debt Dispute Letter (write-in-the-blanks) PDF

    If a debt collector is trying to collect a debt they say you owe for personal, family or household costs and you do not believe you owe some or all of the debt, you can use this form to ask the debt collector to explain why they think you owe the debt. If you haven't received a debt validation notice from the debt collector yet, you may want to send a 'Debt Validation Letter' first. Content Detail

    By:
    MLSA
  • Money Problems? Find the help you need.

    Use this article to identify the exact money problem legal issues you have and the information to solve them. Read More

    By:
    Montana Legal Services Association
  • Debt Validation Letter (interactive)

    A debt collector must send you a written notice with information about how much you owe, the name of the original creditor and your right to dispute the debt. They must send this notice within 5 days after first contacting you. This letter allows you to tell a debt collector that they have not given you proper written notice about your debt. Interactive forms allow you to answer questions in an online interview. The computer uses your answers to fill in the forms. Then you print them. You can save and make corrections to your answers before printing. Content Detail

    By:
    Montana Legal Services Association (MLSA)
  • Debt Validation Letter (write-in-the-blank) PDF

    A debt collector must send you a written notice with information about how much you owe, the name of the original creditor and your right to dispute the debt. They must send this notice within 5 days after first contacting you. This letter allows you to tell a debt collector that they have not given you proper written notice about your debt. Write-in-the-blank forms allow you to print out a form, then write your information into the form with a pen. Content Detail

    By:
    Montana Legal Services Association (MLSA)
  • Credit Report Dispute Letter (interactive)

    This letter allows you to write to argue against an item in your credit report that you believe is wrong. Interactive forms allow you to answer questions in an online interview. The computer uses your answers to fill in the forms. Then you print them. You can save and make corrections to your answers before printing. Content Detail

    By:
    Montana Legal Services Association (MLSA)
  • Credit Report Dispute Letter (write-in-the-blank) PDF

    This letter allows you to write to argue against an item in your credit report that you believe is wrong. Write-in-the-blank forms allow you to print out a form, then write your information into the form with a pen. Content Detail

    By:
    Montana Legal Services Association (MLSA)
  • Billed for Merchandise You Never Received? Here's What To Do

    Information about what to do if you are billed for stuff that you did not buy or receive. Content Detail

    By:
    Federal Trade Commission (FTC)
  • Dealing with Creditors Over a Deceased Loved One's Debts

    Information to help you deal with a loved one's debts after death. Content Detail

  • Consumer Law Interactive Forms for Veterans

    Access a variety of information and interactive forms relating to consumer law specific to the needs of military members, veterans and their families. Topics include bankruptcy, automobile leases, repossession, credit reports, identity theft, the Servicemembers' Civil Relief Act, and more. Content Detail

    By:
    Stateside Legal