Debt Relief Montana

When debt problems arise, Montanans take action.

When it comes to credit card debt, Montanans go big. The average credit user currently carries a balance of almost $10,000. They’re using 31% of their available credit, which is high enough to negatively impact consumer credit scores. It’s no wonder the most popular type of credit card is a balance transfer card. That’s a type of credit that you use for debt consolidation. But it doesn’t always work. If you owe more than $5,000 or have less than excellent credit, balance transfers aren’t always an effective solution for consolidating debt.

Luckily, there’s a solution that helps people get out of debt, regardless of how much they owe or how low their credit score is. This page can help you understand the benefit of finding debt relief through consumer credit counseling. If you’re fighting your own battle to eliminate debt, we’re here to help. Call Consolidated Credit today at 1-888-294-3130 to request a free, confidential debt analysis from a certified credit counselor.

Montana credit card debt statistics

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

  • Average credit card debt per household: $9,759 [1]
  • Average available credit limit: $15,949 [2]
  • Credit utilization ratio (debt vs available limit): 31.44% [2]
  • Average number of cards: 2.87 [3]
  • % of accounts that are delinquent (at least 90 days past due): 5.98% [4]
  • Average credit score: 689 [3]
  • Most popular type of credit card: Balance transfer [5]

Debt Relief Montana: See our program in action!

The following case studies come from real clients of Consolidated Credit who live in Montana. This can give you an idea of how we’ve been able to help some of your neighbors find debt relief. If you’re struggling to pay off debt, talk to a certified credit counselor to see if our program can help you, too.

Cheryl from Butte, MT

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
Diana from Helena, MT

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
Justin from Billings, MT

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