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Who Can Garnish My Wages in Montana? Any creditor, debt collector, or third-party debt buyer with a valid court judgment and writ of execution can garnish your wages in Montana. Certain types of debts have special wage garnishment rules and don't require a court order.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides a mechanism for you to stop debt collectors from contacting you. You can do this by sending a Cease and Desist Letter. Federal law allows you to communicate with debt collectors to tell them that you want them to stop contacting you.
A cease and desist letter is a way to formally request that a debt collector stop contacting you about a debt. The Fair Debt Collection Practices Act (FDCPA) states that if you formally request that you no longer wish to be contacted by a collector, they must cease all further contact.
Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.
You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the debt collector and keep a copy of the letter. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.
If more than one creditor is harassing you for more than one debt, you will need to send each one a cease and desist letter. Even if the same creditor is trying to collect two different debts from you, you must write a letter for each of the two debts.
Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.
Each state has an established statute of limitations on debt collection, which outlines the time frame during which a debt collector can pursue legal action against you. In Montana, creditors have between four and 10 years to sue you, depending on the type of debt.
This letter should be addressed and directed at one creditor only. You'll have to write one for each of the creditors that you want to stop calling you. Sending a cease and desist letter isn't a solution to your problem; it's merely a solution to receiving annoying phone calls.