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Debt Collection in the Maine Courts

In Spanish What is this information about? If you owe someone money, they can try to collect it from you by taking you to court. This guide will help you understand the court process and the rights you have. You are the debtor. The person who you owe money to is the creditor. The creditor may not be the person you mad more...

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. When can this happen? As a general rule, before a creditor can put a lien on your home, they must get a court judgment against you. A judge must decide that you actually owe the money and that the creditor has the right to try to collect it from you.  A creditor with a court judgment has many ways to collect the money. One way is to use wage with more...

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

Sometimes a creditor who successfully sues you on a debt will place a lien on your vehicle to "secure the judgment."  He does this by filing a document with the Maine Secretary of State's office where vehicle registrations are recorded. But if your vehicle is worth $5,000 or less, the creditor cannot legally place a lien on your vehicle.  This is also true if your "ownership interest" is $5,000 or less. This can happen if you took out more...

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). Learn more about the debt collection process in Maine: Debt Collection in the Maine Courts The company suing you must do the following things: The company must list the more...

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. Please read through the following information to find out if one of these letters fit your situation.  If it does, you can use the letter as a model - to communicate with your credit collector.Note:  Keep a copy of any letters that you send and store them in a safe place. more...

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