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Debt help and local sources in Montana

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What this location page can tell you

The local source material addresses selected debt and provider-law questions. It is not a complete review of every local program, deadline or exemption.

Local public sources to check

These links were captured in the dated research. Check the current version, service covered and instructions on the official site before relying on a rule.

Check this location’s original research and coverageOriginal working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

PLACES & JURISDICTIONS

Montana: the debt research

Read the specific saved components, their source versions and remaining gaps. No state, country or legal framework is certified complete.

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

29 saved components235 captured tables
IN THE EVIDENCE

Selected recorded findings

These narrow findings retain the saved source and check status. Conditions and capture dates matter; this is not a whole-subject or jurisdiction acceptance.

S_MT-P4-C003 · captured 2026-10-26

A Part 20 trust account must be established at a federally insured financial institution, specially designated, restricted to consumer creditor-disbursement money, and unavailable to provider creditors.

Conditions and limits: High; no bankruptcy or deposit-insurance priority conclusion.

Recorded check: checked with limits E3 material correction resolved

S001, §2003(7)(a)–(d)

Source links: mca.legmt.gov · mca.legmt.gov · mca.legmt.gov

Inspect the complete record, source trail and all check boundaries →
S_MT-P4-C004 · captured 2026-10-26

A Part 20 applicant must show that it maintains the trust account and contracts for annual independent CPA audits within six months after fiscal-year close.

Conditions and limits: High; audit scope is not expressly limited to or defined as trust reconciliation.

Recorded check: checked with limits E3 material correction resolved

S001, §2004(2)(a), (e)

Source links: mca.legmt.gov · mca.legmt.gov · mca.legmt.gov

Inspect the complete record, source trail and all check boundaries →

Read every research component

S_MTpass-01

SMT Montana provider market access and consumer fees

Inside: A. Substantive findings · 1. Classification and market access · 2. Consumer fees

6 tables30 claim records16 source recordsScoped review · limits applyCaptured 2026-10-25
S_MTpass-02

SMT Focused precision correction and current-rule/scope addendum

Inside: A. Exact federal replacements and corrected source labels · 1. Replacement for PASS-01 paragraph 5 and claim C025 · 2. Replacement qualification for C026 — dedicated accounts

4 tables13 claim records15 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-03

SMT Minimal provenance correction

Inside:

1 tables0 claim records0 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-04

SMT Montana consumer-money custody, trust-account, and refund architecture

Inside: Core determination · 1. Custody entry point and hybrid arrangements · Part 20 custody

6 tables31 claim records7 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-05

SMT Montana bond, insurance, and alternative-security component

Inside: Executive findings · 1. Covered models and security triggers · Part 20 — debt management and covered credit counseling

5 tables30 claim records12 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-06

SMT Montana mandatory agreement, disclosure, and execution component

Inside: Core conclusions · Part 20 custodial DMP · Part 21 noncustodial settlement

6 tables36 claim records11 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-07

SMT Montana Part 20/Part 21 provider enforcement, private remedies, voidness, fee return, and remedy-specific limitations

Inside: Executive conclusions · Administrative licensing discipline · A2. Part 21 remains the noncustodial settlement branch

7 tables45 claim records21 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-08

SMT Montana collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct

Inside: I. Executive determination · 1. No general standalone Montana “collection agency” license was identified · 2. The central Montana licensing trigger is the debt’s legal origin and the collector’s activity

5 tables54 claim records26 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-09

SMT Montana prelitigation debt validation, disputes, and consumer access to account documentation

Inside: 1. Montana does not present one universal debt-validation regime · 2. Montana Consumer Loan Act records and consumer-facing information · A. Payment receipts

6 tables52 claim records23 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-10

SMT Montana ordinary consumer-debt credit reporting, furnishing, and dispute overlays

Inside: I. Bottom-line findings · 2. Montana CRA accuracy and compliance duties · 3. Montana file access

8 tables53 claim records23 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-11

SMT Montana ordinary unsecured consumer-debt limitation, accrual, choice-of-law, tolling, and revival

Inside: I. Executive conclusions · Classification rule · 1. General accrual

7 tables54 claim records25 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-12

SMT Bounded Example 3 correction

Inside: Correction summary · Exact replacement text for PASS-04 Example 3 · Example 3 — Receipt before a valid signed DMP

4 tables1 claim records0 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-13

SMT Montana ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur

Inside: I. Executive findings · A. Small Claims assignment restriction · B. Real party and entity representation

8 tables62 claim records20 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-14

SMT Two bounded agreement qualifications

Inside: A. Correction summary · Exact replacement for the PASS-06 E-SIGN paragraph · Conditional E-SIGN and Montana-UETA relationship

6 tables4 claim records5 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-15

SMT Montana ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence

Inside: I. Executive findings · A. Real party versus subject-matter jurisdiction · B. Cure, ratification, joinder, and substitution

11 tables54 claim records21 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-16

SMT Montana ordinary consumer-debt arbitration, delegation, judicial gateway, and related waiver

Inside: I. Executive findings · A. Actor matrix · B. Assignment boundary

11 tables62 claim records32 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-17

SMT Montana ordinary consumer-debt arbitration award-to-judgment confirmation, vacatur, modification/correction, appeal, and stay boundaries

Inside: I. Core determinations · A. Montana statutory award requirements · B. Current AAA Consumer Rules—conditional only

15 tables60 claim records20 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-18

SMT Montana ordinary consumer-debt court-judgment interest, duration, renewal, satisfaction, and judgment-lien release

Inside: I. Core conclusions · A. Prejudgment versus postjudgment interest · B. Montana default postjudgment formula

10 tables56 claim records18 source recordsCorrections to readCaptured 2026-10-26
S_MTpass-19

SMT Bounded corrections and qualifications to

Inside: Correction determination · Exact replacement for PASS-07 Example 1 · Exact replacement for PASS-07 Example 2

11 tables17 claim records11 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-20

SMT Bounded public-enforcement procedure, attorney-fee, and crosslink corrections

Inside: Correction summary · Civil investigative demand and challenge procedure · Conditional CID workflow

9 tables14 claim records12 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-21

SMT Montana ordinary unsecured consumer-debt wage garnishment and earnings exemptions/procedure

Inside: I. Core determinations · A. Statutory definitions · B. Required versus voluntary payroll deductions

15 tables61 claim records21 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-22

SMT Montana ordinary unsecured consumer-debt bank-account garnishment, deposit/benefit exemptions, and tracing

Inside: I. Core determinations · II. Court, actor, and account-route matrix · III. Montana ordinary bank-levy workflow

13 tables65 claim records22 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-23

SMT Montana ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution, exemptions, and debtor procedure

Inside: I. Core determinations · A. Current amount and category matrix · B. Exemption stacking rules

12 tables58 claim records18 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-24

SMT Montana ordinary unsecured consumer-money-judgment real-estate execution and homestead

Inside: I. Core determinations · A. General seizure/exemption notice · B. General exemption request

6 tables68 claim records20 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-26

SMT Bounded precision and source corrections to

Inside: Effect on the original PASS-21 · 1(a). Replacement for P21 VI.A notice-content paragraph · Statutory officer notice

5 tables16 claim records17 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-27

SMT Bounded precision and source corrections to

Inside: I. Effect on the original PASS-22 · A. Exact replacement for PASS-22 core finding 5 and debtor-notice content · Montana officer notice after execution

9 tables22 claim records15 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-28

SMT Bounded precision and completeness corrections to

Inside: Replacement for PASS-23 VI.A · Debtor notice after execution · Notice claim-cell effect

12 tables18 claim records20 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-29

SMT Bounded procedure, redemption, and source/render corrections to

Inside: A. Replacement for PASS-24 core finding 23, Matrix V step 5, VII.C, C038, and Example 7 · Service of the homestead appraisal petition · Service-method hold

10 tables16 claim records21 source recordsScoped review · limits applyCaptured 2026-10-26
S_MTpass-30

SMT Bounded provenance, mail-method, claim-mapping, and display corrections to

Inside: I. Effect on original PASS-27 · Montana notification of seizure — §25-13-211 · Unchanged §25-13-212 conditions

7 tables8 claim records7 source recordsScoped review · limits applyCaptured 2026-10-26
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