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

Notice: The Maine HAF Program is winding down. Complete applications received after January 10, 5 PM will be put on a waitlist.

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.  

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!

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.

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.   

Statewide Help The federal Low Income Home Energy Assistance Program (LIHEAP) provides assistance to low-income households for their energy bills.

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: