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> Disputing a Debt

Information and Forms

  • Credit Report Dispute Letter (write-in-the-blank)

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

    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
  • Debt Validation Letter (write-in-the-blank)

    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)
  • 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. Read More

    By:
    Montana Legal Services Association (MLSA)
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