Debt Consolidation in Action: Montana

When debt problems arise, Montanans take action.

Compared to national statistics, the residents of Montana have a pretty good handle on managing personal debt. Residents have lower than average student loan default, mortgage delinquency rates, low credit card delinquency and default rates. That’s not to say that Montanans don’t face challenges, but when they do they tend to be proactive about finding solutions posthaste.

This page is designed to help you understand household debt in Montana, as well as how some residents have used credit counseling to find relief from challenges with credit card debt. If you’re fighting your own battle to eliminate debt, we’re here to help. Call Consolidated Credit today at or complete an online application to request a free, confidential debt analysis from a certified credit counselor.

Debt Statistics in Montana

The following statistics provide a comprehensive picture of the current state of personal debt in Montana:

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for Montana residents

Every financial situation is unique, but the following case studies and testimonials show how we’ve been able to help some Montanans find the relief they need from credit card debt:

The reps have always been on top of things and they’re easy to work with.

Where she started:

  • Total unsecured debt: $21,475.80
  • Estimated interest charges: $12,253.77
  • Time to payoff: 11 years, 5 months
  • Total monthly payments: $859.03

After DMP enrollment:

  • Average negotiated interest rate: 6.34%
  • Total interest charges: $2,983,68
  • Time to payoff: 4 years, 1 month
  • Total monthly payment: $499.00
Time Saved:
7 years, 4 months
Monthly Savings:
$360.03
Interest Saved:
$9,270.09
These people are great to work with and go out of their way to answer questions and help you.

Where she started:

  • Total unsecured debt: $7,453.00
  • Estimated interest charges: $4,092.27
  • Time to payoff: 10 years, 5 months
  • Total monthly payments: $298.12

After DMP enrollment:

  • Average negotiated interest rate: 0.63%
  • Total interest charges: $121.50
  • Time to payoff: 4 years
  • Total monthly payment: $161.00
Time Saved:
6 years, 5 months
Monthly Savings:
$137.12
Interest Saved:
$3,970.77
It has been wonderful working with Consolidated Credit. Thanks!

Where he started:

  • Total unsecured debt: $53,997.00
  • Estimated interest charges: $31,259.97
  • Time to payoff: 14 years, 9 months
  • Total monthly payments: $2,159.88

After DMP enrollment:

  • Average negotiated interest rate: 6.29%
  • Total interest charges: $8,206.11
  • Time to payoff: 4 years, 4 months
  • Total monthly payment: $1,214.00
Time Saved:
10 years, 5 months
Monthly Savings:
$945.88
Interest Saved:
$23,053.86

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

FREE Debt Consultation