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Debt Collection in the Maine Courts

In Spanish What is this information about? Is there anything I can do to avoid being sued on a debt? What if I owe the debt and have no legal defense? Have you been sued? more...

Can a Creditor Put a Lien on My House?

This information is for people with low home values who want to know if someone can put a lien on their house for an unpaid debt.  First, as a general rule, the creditor must get a court judgment against you. In other words, a court must determine that you actually owe the money and that the creditor has the right to try to collect that money from you.  A creditor with a court judgment has several legal tools for trying to "collect on the judgment." These i 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 claims that you did not pay a debt, such as a credit card debt. However, this is not the company who sold you the credit card (or who loaned you the money). The company suing you must do the following things: The company must list the name and address of the original credit card company (or lender). This must appear in the small claims complaint or the in papers attached to the co 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 fits 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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