Category: Consumer

Montana Supreme Court Case Helps Homeowners

The Montana Supreme Court recently entered a decision in Morrow v. Bank of America, N.A., that may help Montanans who have experienced abuse or misconduct at the hands of their mortgage loan servicers and/or are in the foreclosure process.   

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Text with Caution: Direct Express Scam

texting scam

A recent press release by the the Social Security Administration has warned consumers of a texting scam involving “Direct Express” cards. The Direct Express card is used by the U.S. Treasury as an alternative to direct deposit for those who

Need Low-Cost Health Insurance? You may be eligible for Health Insurance Marketplace coverage

Under the Affordable Care Act (sometimes called “Obamacare”), many low-income Montanans may be eligible to get help to pay for health insurance.  The help comes in the form of subsidies or tax credits. The amount of the subsidy or tax

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MLSA’s File Your Own Bankruptcy Program: A New Approach to Helping Debtors Find a Fresh Start

By: Jessie Lundberg, Equal Justice Works AmeriCorps Legal Fellow, Montana Legal Services Association – Consumer Law Unit  Bankruptcy is a powerful word. It carries many connotations, most often negative. For many, it symbolizes failure. Crisis. Even personal and moral shortcomings. After all, what kind of

Bankruptcy in Montana: Increasing Demand Necessitates Innovation in Services

A large percentage of the clients that seek services from MLSA each year have some sort of consumer related issue. Of our clients with consumer issues, many of them are asking for assistance with filing for bankruptcy. What we experience

Don’t Touch My Check! New Rule Protects Seniors, Veterans, and the Disabled From Creditors

By Klaus Sitte, MLSA Litigation DirectorJohn and Mary are “closely approaching advanced age,” in Social Security parlance, age 64 and 63 respectively. Because of a serious heart condition, John is disabled and receives Social Security Disability benefits of $1280 per month. Mary

The Root of Bankruptcy in Montana

By Jolene Bach, Rural Dynamics Inc.Last week, Montana Legal Services highlighted that the vast majority of consumers who file for bankruptcy do so as a direct result of medical debt and that three-quarters of those filers had private health insurance.

Dispelling the Myths Surrounding Bankruptcy: Many Montanans Truly Have Nothing Left to Give.

1.5 million people in the United States filed for bankruptcy in 2010, an increase of 13.8% from 2009. Would you have guessed that 42% of all personal bankruptcies were a result of medical expenses and that 78% of the individuals

It is Time to Start a Consumer Law Conversation

Over the last few months, MLSA has spotlighted the importance of self-help resources for low-income Montanans. In doing so, we have emphasized the true need for access to the courts for those who are unrepresented.Now, we want to start a