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Maine Homeowner Assistance Fund (HAF) FAQ

Notice: The Maine HAF Program is winding down. Complete applications received after January 10, 5 PM will be put on a waitlist.
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What happens if I am sued for a debt in Maine District Court?

What happens if I am sued for a debt in district court?   If you are sued for a debt in district court, the creditor is the Plaintiff and you are the Defendant.  
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Do you owe $500 or more to your electric company?

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!
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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.
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Court Mediation: Your Chance to Stop a Foreclosure

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.
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Can I Get Rid of a Lien on my Car or Truck?

Introduction Sometimes a creditor who successfully sues you on a debt will place a lien on your vehicle to "secure the judgment."  They do this by filing a document with the Maine Secretary of State's office where vehicle registrations are recorded.
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Debt collectors are calling me. What can I do?

We have drafted three form letters to help you respond to debt collectors.  These letters will not fit all situations, but they address some of the most common issues.
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Can a Creditor Put a Lien on My House in Maine?

Yes. A person or company you owe money to can put a lien on a home that you own. But there may be something you can do about it. Maine law has some protections for homeowners in this situation.
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Can a Creditor Put a Lien on My House?

Yes. But there may be something you can do about it. Maine law has some protections for homeowners in this situation.
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Common Defenses in Small Claims Cases (Third Party Collections)

You have been sued in small claims court. The company suing you says that you did not pay a debt, like a credit card debt. But, this is not the company who sold you the credit card (or who loaned you the money).