If a debt collector has just begun contacting you, within the first 30 days you have the right to request “validation” of the debt.  While the debt collector is responding to your request, they cannot try to collect from you.  If the creditor follows the law by responding, you will have valuable information that could help you dispute your oblig

Welcome to PTLA’s Student Loan Project! We provide free legal services to student loan borrowers. We help people with:

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.  

Posted and up-to-date on 9/20/2023

This guide lays out your options for many different student loan debt situations. Is this guide for you? You may use this guide if:

Federal student loans can be intimidating and confusing. In this article we will explain types of federal student loans, repayment plans and situations, and loan discharge and forgiveness programs.

Introduction Many Maine employers are using payroll cards instead of paper checks or direct deposit to pay wages.  This is a growing trend around the country. Payroll cards may be good for some employees, but there are risks and hidden costs involved.  Here’s what you need to know. 

As with all commercial products, buyer beware! Pre-paid debit cards are often viewed as convenient alternatives to cash and expensive checking accounts. While there may be many advantages to these cards, there are also many disadvantages a consumer should consider.

How do I know if I can get a tax refund? In Maine, when you stay in some kinds of short term rentals, like a hotel or motel room, you pay a state sales tax.  If you stay more than 28 days you may be entitled to a refund of the tax you paid. First, you must have rented:

What is identity theft? Identity theft can happen to anyone.  If this has happened to you, you are not alone. Common types of identity theft include when someone has used your name to: