Problem: A debt collector is suing me or taking my money

>I am worried about being garnished or having my bank account swiped.

• Click here to use the Notice of Claimed Exemptions and Request for Hearing and the Exemptions Worksheet to help you figure out if your money is exempt from the debt collector taking it, and dispute the collection with the court.

• Click here to use the Collection Proof Letter to tell the debt collector that your money is exempt and they can’t take it.

• Watch a video about how to get your exempt money back by clicking here.

• Read Can Creditors Garnish Social Security Benefits by clicking here.

>I am being sued by a debt collector / a debt collector might sue me soon

• Click here to use the Notice of Claimed Exemptions and Request for Hearing and the Exemptions Worksheet to help you figure out if your money is exempt from the debt collector taking it, and dispute the collection with the court.

• Click here to use the Collection Proof Letter to tell the debt collector that your money is exempt and they can’t take it.

Problem: A debt collector is harassing me / trying to collect

>I am being harassed by a debt collector.

• Click here to use the Fair Debt Collection resources to find out if a debt collector is breaking the law.

• Click here to use the Cease Contact Letter to tell a debt collector to stop contacting you.

>I want to dispute a debt.

• Click here to use a Debt Validation Letter to make the debt collector send you proof of the debt(s) it says you owe.

Problem: Car repossession, car loan, or car dealer

>I am behind on my car payment and worried about repossession.

• Click here to read Vehicle Repossession information from the Federal Trade Commission.

• Click here to read Which Debts to Pay to decide which bills to pay first.

>My car was repossessed.

• Click here to read Vehicle Repossession information from the Federal Trade Commission.

• Click here to use the Get Your Personal Property from Your Repossessed Car Letter to get your things from your car.

>I bought a car and it has problems.

• Click here to read information about Montana's Lemon Law.   

Problem: I can’t pay my rent or mortgage

>I am behind on my rent  / am being evicted.

• Click here to read about tenants' rights.

• Click here to use forms to respond to your eviction.

>I am behind on my mortgage.

•  Click here to read about foreclosure.

Problem: I just can’t afford my regular bills

• Click here to read Which Debts to Pay to decide which bills to pay first.

• Click here to contact Consumer Credit Counseling Service for information about budgeting and debt counseling.

• Click here to read about Money Management.