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Money, Taxes, & Debt
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How To: Get Ready for a Disclosure Hearing in Maine

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....
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Do you owe $500 or more to your electric company?

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!
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Debt Collection in the Maine Courts

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.
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Bankruptcy in Maine

The bankruptcy laws changed in October 2005. These laws makes it harder for a very low-income person to find a lawyer to help with a bankruptcy case. We have posted this information to help you figure out what to do.
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Exemptions to the Affordable Care Act Shared Responsibility Payment

If you did not have healthcare coverage then you could face a tax penalty under the Affordable Care Act, known as the "Shared Responsibility Payment."  But this is not true for everyone, especially low-income households.
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Health Care Tax Tips

Do you get a health care tax subsidy for health insurance you bought through the "federal marketplace." Learn about your duty to report certain financial changes.
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Free and Low Cost Phone Services

*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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Heating Assistance News

LIHEAP funding continues to be lower than in previous years. This will mean that more households will be turning to local heating assistance programs after their LIHEAP money runs out.  Here is a summary of the programs we know about - followed by information about how to access local programs.  
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Bankruptcy: Is It the Right Choice for You?

This is to help you to understand some basics about the bankruptcy laws and rules. This may help you to make a more informed decision about whether filing for bankruptcy makes sense for you. We assume that you are a low-income client who may not be able to afford a lawyer.
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Filing for Chapter 7 Bankruptcy in Maine: Getting Started

Important Cautionary Notes Step One: Credit Counselling Step Two: Fill out the Court Forms Step Three: File all Required Forms and Documents

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