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Self Help Tools

Money, Taxes, & Debt
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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!
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.
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....
This classroom lays out your options for many different student loan debt situations. Is this classroom for you? You may use this classroom if:
The world of student loans is becoming more complicated. So here is a brief overview of the basic lingo of student loans and repayment options.
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. 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).
*The purpose of this page is to inform you of the options available. PTLA does not endorse or critique any of these services.  You may want to check with reliable consumer sites before signing on with a wireless company. 

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