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Money has been tight across Big Sky country, and rising costs have pushed more Montanans to lean on credit just to keep up. In fact, the average credit card balance in Montana climbed to $7,412 in 2025 — up 4.3% from the year before — according to LendingTree's 2026 Credit Card Debt Statistics. There is a way out. Accredited Debt Relief works with you to combine multiple unsecured debts into one lower monthly payment through a personalized debt relief program — and we can even evaluate Montanans for consolidation loan options, too.
The average credit card balance in Montana rose to $7,412 in 2025, up 4.3% from the year before, according to LendingTree's 2026 Credit Card Debt Statistics.
Average U.S. credit card APR on accounts assessed interest, as of February 2026, near the highest level on record, says the Federal Reserve's Consumer Credit G.19.
In 2024, 27.9% of Montana households spent 30% or more of their income on housing — a level the federal government classifies as cost-burdened — reports the U.S. Census Bureau American Community Survey via America's Health Rankings.
From Billings and Bozeman to Missoula and Kalispell, Montanans have watched rent, groceries and insurance outpace paychecks. When a sizeable share of each month already goes to housing, even modest credit card balances can feel hard to chip away at — especially when interest rates are this high. A debt relief program can help reset the math, replacing several payments with one that fits the budget you actually have.
The program is built to simplify what you owe and bring your monthly payment down — without requiring perfect credit or a big upfront payment.
1. Free Consultation — A no-cost, no-obligation call (or a quick online form) shows you what's possible. Nothing about the consultation itself affects your credit, and there's no pressure to move forward.
2. Match With a Personalized Program — Based on your debts, your budget and your goals, a certified debt specialist identifies the right path. The program is designed for people carrying $5,000 or more in unsecured debt.
3. One Monthly Payment, Lower Than Before — Instead of juggling multiple bills, you'll have a single program payment that's typically much lower than what you're paying now. Most clients reduce eligible monthly payments by 40% or more.
4. Become Debt-Free Typically in 24–48 Months — Most enrolled clients become debt-free in typically 24–48 months. Fees are 100% success-based, only charged after a solution is delivered — no hidden upfront costs.
Accredited Debt Relief serves Montanans across the state — including Billings, Missoula, Great Falls, Bozeman, Helena and Kalispell. The program is built for people who:
Accredited Debt Relief does not handle secured debts (like mortgages or auto loans), federal student loans or business debts. If you're not sure whether your situation fits, a free consultation will sort it out in a few minutes.
| Debt Relief | Debt Consolidation Loan | Bankruptcy (Ch. 7) | |
|---|---|---|---|
| Reduces Monthly Payment | Yes — most clients reduce eligible monthly payments by 40% or more | Sometimes — depends on rate and term | Yes — eliminates most qualifying payments |
| Eliminates Debt | Yes — resolves enrolled debt over the program | No — replaces it with one new loan | Yes — discharges qualifying unsecured debt |
| Court Involvement | No | No | Yes — federal court filing required |
| Timeline | Typically 24–48 months | 3–7 years, depending on loan terms | Several months to file; effects last for years |
| Upfront Fees | None — fees are 100% success-based | Origination fee and interest charges typically apply | Attorney fees and court costs apply |
| Best For | Steady income, expensive minimum payments | Strong credit and access to a low-rate loan | Severe insolvency with no realistic path to repay |
Accredited Debt Relief specializes in debt relief and can also evaluate clients for consolidation loan options. Accredited Debt Relief does not offer bankruptcy services, but a free consultation can help you understand whether the program is a better fit than filing.
These are the questions Montana residents ask most often — answered directly and without jargon.
How does debt consolidation work for Montana residents?
Debt consolidation combines multiple unsecured debts — like credit cards, medical bills and personal loans — into one program with a single, lower monthly payment. Accredited Debt Relief builds a personalized program around what you can realistically afford, then works to resolve the enrolled debt over time. Most clients see eligible monthly payments reduced by 40% or more.
How much does a debt relief program cost?
Accredited Debt Relief charges 100% success-based fees, meaning you'll never pay before you see savings. There are no upfront fees and no cost to find out if the program is a good fit. A free consultation explains your estimated monthly payment and all it entails, so you can decide before enrolling.
What types of debt can I save on through Accredited Debt Relief?
The program is designed for unsecured debts, including credit card balances, medical bills, personal loans and certain private debts. Accredited Debt Relief does not handle secured debts like mortgages or auto loans, federal student loans, or business debts. A free consultation can confirm which of your debts may be eligible.
How long does a debt relief program take?
Most clients become debt-free in typically 24–48 months. The exact timeline depends on your enrolled debt amount, your monthly program payment and how consistently the program is followed. Your free consultation includes an estimated timeline based on your specific situation.
Is Accredited Debt Relief legit?
Accredited Debt Relief is a national debt relief company founded in 2011, with an A+ rating from the Better Business Bureau and more than 1.3 million clients served. Accredited Debt Relief offers free debt evaluations in all 50 states and connects eligible clients to debt relief services and consolidation loan options. Accredited Debt Relief has been named "Best Debt Relief Company" by 12 trusted publications — including Investopedia, CBS News, and CNBC.
Is a free consultation really free, and will it affect anything?
Yes — the consultation is free, with no cost and no obligation to enroll. It won't affect your credit score, and you'll leave with a clear picture of your options. A specialist walks you through what a personalized program could look like, including an estimated monthly payment.
You've got the facts in front of you. The next step is the simplest one: a free consultation. It won't affect your credit, there's zero commitment, and you'll walk away with a free estimate. In about fifteen minutes, you'll have a personalized debt relief program, an estimated monthly payment and the clarity to move forward — whichever direction that turns out to be.
Get A Free Debt AnalysisOr call 800-497-1965 · accrediteddebtrelief.com/state/montana-debt-relief/
No upfront fees · 100% success-based · Free consultation.
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Sources:Year after year, respected consumer organizations and businesses have recognized Accredited Debt Relief for its core strengths: customer service excellence, value and overall process.
Accredited Debt Relief is recognized for:
Winner of the 2025 Excellence in Customer Service Award
Business Intelligence Group
Winner of Customer Service Department of the Year Award
American Business Awards
Winner of the 2025 Financial Wellness Champion Award
Banking Tech Awards USA
Winner of Customer Service, Overall Process and Best Value Awards
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