Know your rights and understand your options when dealing with a debt collector. Download forms you can use to protect your rights.
Visit MLSA's free debt website to find out if a debt collector might be breaking the law, if you have any protected income or property, and if you might have any defenses to a debt lawsuit. Use a free garnishment calculator to see if a debt collector is taking the right amount from your wages.
This article can help you understand your options for taking action on a money problem.
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.
Learn how to make an objection, call and question witnesses, introduce exhibits and evidence, and more tips for representing yourself in court.
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.
Learn the steps you should take to protect your rights and find free court forms to download.
The Department of Housing and Urban Development (HUD) trains and certifies non-profit housing counselors across the country.
Tips on how to act and what to do at court.
Learn how you can use a Homestead Declaration protect your home from creditors.
When you are unable to pay all your bills, here is some information to help you decide which bills to pay first.
Actions to take if creditors threaten to take your home.
Use a free program to create an Answer to a Debt Collection Complaint filed against you in a City, Municipal, Justice, or District Court in Montana.
Download a free legal form that you can send to debt collector to dispute a debt. This is not a court form that you use to dispute a debt during a lawsuit.
Homestead Declaration (write-in-the-blank form)
Download a free write-in-the-blank court form to file an Answer in Justice Court or City Court.