In Montana—from the growing tech hubs of Bozeman and Missoula to the industrial and medical centers of Billings and Great Falls—your business is built on handshakes and hard work. But in 2026, “Big Sky” doesn’t mean “anything goes.” With Montana’s 8-year statute of limitations on written contracts, you have a massive advantage over out-of-state competitors, but you must navigate the $15% interest cap and strict wage garnishment floors with precision. You don’t just need a collector; you need a Montana-compliant strategist who can recover “zombie debt” from 2018 that other agencies have long since abandoned.
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation/bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.
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The Montana Legal Landscape
Montana is a “Creditor-Friendly” state for those who know the rules. We specialize in the long-tail recovery of older accounts that stay legally “alive” longer here than anywhere else in the region.
| Debt Type | Statute of Limitations | Montana Code (MCA) |
| Written Contracts | 8 Years | MCA § 27-2-202(1) |
| Oral / Open Accounts | 5 Years | MCA § 27-2-202(2) |
| Medical Debt | 8 Years (if in writing) | MCA § 27-2-202 |
| Wage Garnishment | ALLOWED (25% Cap) | MCA § 25-13-614 |
| Judgments | 10 Years (Renewable) | MCA § 27-2-201 |
Critical Montana Rules for 2026:
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The 8-Year Advantage: Montana allows you to sue on a written contract for 8 years. Nexa audits your 5-to-8-year-old ledgers to find “found money” that national agencies typically write off.
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15% Interest Cap: Under Montana law, the legal maximum interest rate is 15% annually by written agreement. We ensure your late fees stay compliant to avoid “usury” counter-claims.
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Wage Garnishment Shield: In 2026, Montana protects the first 30x the federal minimum wage (approx. $217.50/week) from garnishment. Nexa identifies high-earning debtors to ensure your legal spend results in actual checks.
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Homestead Exemption: Montana has a robust homestead exemption (up to $350k+ in 2026). We pivot to bank levies and personal property attachments to bypass these real estate shields.
Cost-Effectiveness: The Nexa Advantage
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Fixed-Fee Recovery ($15/account): Ideal for early-stage receivables. Debtors pay 100% directly to you.
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Contingency Service (20%–40%): Performance-based recovery. No Recovery, No Fee.
Industries We Serve in Montana
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Manufacturing & Logistics: B2B recovery for the mining, timber, and industrial suppliers across the state. We handle high-value freight brokerage and warehousing disputes in the “Treasure State.”
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics. We are fully prepared for the 2026 Federal Medical Reporting Shifts, maintaining your right to collect via mediation even if credit reporting is limited.
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Colleges & Universities: From MSU to UM, we specialize in tuition fee recovery and bursar accounts, balancing firm tactics with the need to preserve student and alumni relationships.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees with a sensitive, diplomatic approach tailored for Montana’s local communities.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances using Montana’s aggressive 10-year judgment renewal window.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors. We are experts in Title 71 (Mechanic’s Liens) and the strict 90-day filing windows.
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B2B Commercial & Restoration: High-speed recovery for service providers who need cash flow restored immediately to manage the high costs of Montana logistics.
Recent Montana Recovery Results
Case 1: Billings-Area Medical Specialty Group (Medical)
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The Problem: $130,000 in patient debt, much of it 4-6 years old. Local staff thought it was past the “statute.”
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The Result: Using Montana’s 8-year written contract statute, Nexa recovered $88,000 in 75 days through diplomatic mediation.
Case 2: Missoula Logistics Firm (B2B)
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The Problem: A $45,000 unpaid invoice for heavy equipment transport. The debtor went “dark” for 12 months.
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The Result: We leveraged a formal legal demand, resulting in a full $45,000 recovery plus interest within 30 days.
Frequently Asked Questions (FAQ)
1. Can I really collect a debt from 7 years ago in Montana?
Yes. For written contracts, Montana Law (MCA § 27-2-202) allows for an 8-year collection window. Nexa specializes in reviving these older, high-value accounts.
2. What is the limit on wage garnishment in 2026?
We can garnish up to 25% of disposable earnings, provided the debtor earns more than 30 times the federal minimum wage per week.
3. Does Nexa handle credit reporting in Montana?
Yes. For all eligible non-medical accounts, we report to all three major credit bureaus at no extra cost to you.
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