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Money Problems

Information and Forms

Find links to free legal information and resources below to help you manage your bills during the 2020 Coronavirus (COVID-19) outbreak. COVID-19 legal rights are changing every day. Check back here regularly to see if your situation is covered by a new law.

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Which Debts to Pay When You Cannot Pay Them All

When you are unable to pay all your bills, here is some information to help you decide which bills to pay first.

Collection of Debts Like Credit Card and Medical Debts

Credit card debts and medical debts are usually "unsecured debt." That means they are not secured or guaranteed by collateral. This article talks about how a creditor can collect unsecured debt like credit card and medical debt from you.

Protect yourself financially from the impact of the coronavirus

Learn what you can do to help pay your bills when you've been affected by the coronavirus (COVID-19) outbreak.

19 Things a Debt Collector Cannot Take

Learn what income and property are protected from debt collectors; the situations when income or property may not be protected; and, download a free court form to ask for your protected income or property back.

The Foreclosure Process in Montana

How the foreclosure process works in Montana and what your options are.

Know Your Rights When Dealing with a Debt Collector

Know your rights and understand your options when dealing with a debt collector. Download forms you can use to protect your rights.

Can I still make decisions if someone else has my Power of Attorney?

Learn about your rights when you have a Power of Attorney.

Creditors threatened to take my home. Is there something I can do?

Yes. You can file a Declaration of Homestead to protect the home where you reside from unsecured debt...

4 Ways to Protect Your Mobile Home from Repossession

Learn what you can do to protect your mobile home from repossession.

Everything You Need to Know about Food Stamps (FAQ)

Learn about how to apply for food stamps, how long the application should take, work requirements, income changes, overpayments, and what you can do if you have any problems with food stamps.

5 Ways to Protect Your Car from Repossession

Learn what you can do to protect your car from repossession.

How to Protect Yourself From Scams

Learn how to protect yourself from scams, how to spot a scam, and what to do if you are scammed.

Bankruptcy (FAQ)

Learn answers to common questions about Chapter 7 and Chapter 13 bankruptcy.

10 Scams to Avoid During and After the Coronavirus Outbreak

This article explains 10 common scams and rip-offs you should look out for during the COVID-19 outbreak and what to do if you think you have been scammed.

Stimulus Payments and Representative Payees: What You Need to Know

Under recent COVID-19 legislation, most people receiving Supplemental Security Income (SSI) and Social Security are receiving stimulus payments of up to $1,200. The Internal Revenue Service (IRS) will begin issuing these payments to those who have a representative payee and did not file a tax return in 2018 or 2019 in late May 2020. This money belongs to the beneficiary, not the payee. Learn more about stimulus payments and representative payees in this article.

Student Loans During COVID-19 (FAQ)

Learn how the CARES Act affects student loan payments, forbearance, and interest rates.

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