Printable Guide This guide will walk you through what to expect at a disclosure hearing, and what you will need to know to go in prepared.

Introduction The Maine Homeowner Assistance Fund (“Maine HAF”) is a program meant to help homeowners who have experienced a financial hardship connected to COVID-19 and are at risk of losing their homes. This is a grant based program, homeowners will not have to pay this money back.

Maine law gives tenants an "implied warranty of habitability." This means that your landlord must promise that your home is safe and fit to live in.

A disclosure hearing can happen once a creditor has a judgment against you for money you owe. Sometimes the creditor must take you to court to find out what property and income you have. This is called a disclosure hearing. This guide will walk you through what to expect at a disclosure hearing, and what you will need to know to go in prepared.… More

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!

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.

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.

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.

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).

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.