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When you only have exempt income and property, it is often called being "collection proof." Find helpful articles and free court forms related to exempt income and property by following the links below.

  • HUD-approved Housing Counselors

    The Department of Housing and Urban Development (HUD) trains and certifies non-profit housing counselors across the country. Read More

  • 4 Steps to Get Debt Collectors to Stop Contacting You

    Learn how to get third party debt collectors to stop contacting you. Download a free cease contact letter. And, learn what legal action you can take if debt collectors keep contacting you. Read More

    Montana Legal Services Association (MLSA)
  • 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. Read More

    Montana Legal Services Association (MLSA)

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