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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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Identity Theft: Self-Help Tools

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:
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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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Equifax Data Breach: What Mainers can do to protect themselves

You may have heard about the massive data breach at Equifax. Equifax is one of the large credit reporting bureaus, that collects credit and other personal information about people. A lot of this information they collect has been hacked. In Maine, about half a million people's information is affected by this breach.
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Do You Get Paid By Payroll Card? Know your rights under Maine and federal law

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.
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Can I Get Rid of a Lien on my Car or Truck?

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.
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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.
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Pre-Paid Debit Cards: Are They a Good Deal?

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.
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Can a Creditor Put a Lien on My House?

Yes. But there may be something you can do about it. Maine law has some protections for homeowners in this situation.

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