Can a credit card company file a lien?

Credit card companies have NO legal right to place a lien on a debtor’s home for credit card debt . If a credit card company wants to use aggressive collection practices such as wage garnishment they would need to go to court to do so. Credit card debt is an unsecured debt that can be discharged in bankruptcy.

Can a credit card company put a lien on my car?

Many creditors win judgments because the debtor did not respond to the lawsuit in writing or appear in court. In those cases, called default judgments, the court automatically judges in the creditor’s favor, and the creditor can place a lien on your home, car or other property.

How long does a Judgement last in Montana?

ten years
How long does a judgment lien last in Montana? A judgment lien in Montana will remain attached to the debtor’s property (even if the property changes hands) for ten years.

What property is exempt from creditors in Montana?

Can debt collectors take my stuff? Your personal property is exempt up to $4,500 in total value. Personal property includes things like furniture, appliances, jewelry, clothing, books, firearms, animals, and musical instruments. To be exempt, one item cannot be worth more than $600.

How to file a credit card dispute in Montana?

Try to contact the company directly first with a certified letter. If the certified letter goes unanswered and there is no way to contact the company, you can file a dispute with your credit card company if that was your method of payment. To be eligible under the Fair Credit Billing Act, you must file the dispute within 60 days of the transaction.

Where can I file a lien in Montana?

Answer: Contact the support team at Montana Interactive, (406) 449-3468. They can reactivate your ePass. You can also simply create a new one. Question: “Where do I find the forms to file?” Answer: They are available under the “Forms” menu on the left, or by clicking “File a Lien” on the home screen.

Where to file a consumer complaint in Montana?

In such a case, OCP will refer the complaint to the agency best able to help. The Office of Consumer Protection will keep your complaint on file so that we can monitor illegal practices in the marketplace.

Can a lien be filed with a red asterisk?

Answer: Any field that you see with a red asterisk is required, so no, you would not be able to file this lien. Question: “My collateral information is very lengthy and detailed. Should I enter this into the collateral field?”

Can a judgment lien be placed on personal property in Montana?

And some states also allow judgment liens on the debtor’s personal property — things like jewelry, art, antiques, and other valuables. In Montana, a judgment lien can be attached to real estate only (not personal property). How does a creditor go about getting a judgment lien in Montana?

Can a judgment lien be attached to real estate?

In every state, a judgment lien can be attached to the debtor’s real estate — meaning a house, condo, land, or similar kind of property interest. And some states also allow judgment liens on the debtor’s personal property — things like jewelry, art, antiques, and other valuables.