If you're more than $500 in debt on your electric bill, this program may be able to help you. You pay just your current monthly electric bill, each month and on time. For each month that you pay your current bill, your electric utility company will wipe out 1/12 of what you owe them on your back bill. Learn about how to enroll!
Home Foreclosure: It’s always good to have a lawyer, but when is it really critical to get some legal help?
Hiring a lawyer can be expensive and there are not enough free lawyers to help everyone who needs one. On the other hand, a lawyer can make a big difference in certain situations. Below we identify five such situations.
The Maine Court gives you the chance to go through a mediation process before your home can be foreclosed upon. This is probably your last best chance to save your home - or to find out about your other legal options.
Some low income people are eligible for Mainecare. Most other people with low incomes can get help paying for health insurance. The IRS gives instant tax credits to help with the cost. There are many places to get help finding health insurance:
Protection from Abuse Actions in Maine: Special Considerations When the Defendant is in the Military
Maine has a protection from abuse (PFA) law for victims of domestic violence, sexual assault, sex trafficking, and stalking. For background, see our article: Protection from Abuse – How the law works in Maine.
In a foreclosure situation, the bank may be required to determine the "Net Present Value" of your home. Doing this math can help the lender know whether a loan modification would be in everyone's best interests. The attachment below is the calculator the FDIC posted on its website until recently and the one that Maine mediators are still using
Introduction This page covers free and low-cost phone services available to Mainers. We know there are many new low or no cost ways of communicating, but we are just trying to cover the basics.