Skip to main content Alert Close
Routing: 292977899

Repayment Help

When difficulties arise and you can’t make your payments, our Accounts Resolution team is here for you. Email or call us today at 406-493-3500.

Email Us
Woman Looking Stressed

When Life Happens, We’re Here to Help

Life can throw unexpected challenges your way. If you’re dealing with one or more of the following life events, we know it can be difficult to pay your loan on time. You don’t have to go through this alone.

  • Divorce
  • Loss of a loved one
  • Been injured or laid off
  • Overwhelmed by medical bills
  • Facing other large, unexpected expenses

 

The Most Important Step Is to Call Us

Contacting our Accounts Resolution team early allows us to explore financial relief that eases your burden and prevents your credit score from being affected. To help you regain your financial footing, relief options could include:

  • Payment deferment
  • Working out a new payment plan
  • Exploring debt consolidation
  • Other temporary financial relief, based on your situation

It all depends on your unique situation. Email or call us today at 406-493-3500 and tell us what’s happening. We’ll do our best to help.

The Importance of Making Payments

It can be overwhelming to think about dealing with your financial situation during these tough times, but it’s important to know what can happen if you miss or delay loan payments without contacting us.

Late Fees

Missing a payment can lead to late fees, which can add up quickly and make it even harder to catch up on your payments.

Credit Score Impact

Late or missed payments can negatively affect your credit score, making it more challenging to secure future jobs, rental agreements, loans, credit cards, and more.

Increased Interest Rates

Falling behind on payments could result in higher interest rates on your current and future loans, increasing your overall debt.

Collection Actions

If you continue to miss payments and do not contact us, we may need to explore collections actions that lead to additional stress, legal complications, and extra expenses. We’d much rather work with you directly to find a solution.

Repossession or Foreclosure

As an absolute last resort, if your loan is secured by collateral, such as your car or home, and you continue to miss payments, we could be forced to pursue repossession or foreclosure. We’d much rather work with you directly to find a solution. Please email or call us today at 406-493-3500 to let us know what’s happening.

Consumer Banking Help

You’re Not Alone

Remember, you’re not alone in this. Life happens, and when it does, we’re here to help you navigate your financial challenges. Tell us what’s happening, and we’ll do our best to help. Together, we can find a way forward.

Email or call Account Resolution at 406-493-3500.

Financial Counseling

Your Clearwater membership includes free financial counseling that can help you build a budget that works for you, improve your credit, address financial challenges, and even navigate identity theft issues. Clearwater’s certified financial counselors can help you take control of your finances and improve your financial well-being.

Navigating Sudden Life Changes

Unexpected events can cause significant life changes in minutes. Explore this guide for key steps on how to navigate sudden life changes. Article: 8 min read
Read Article

Dealing with Debt after Death

Learn about different types of debt and what happens to that debt when a loved one passes. Article: 4 min read
Read Article

Recovering Financially from a Divorce

Divorce is hard on finances. Here are seven steps you can take to recover financially from a divorce. Article: 2 min read
Read Article