Back to top

Self Help Tools

Homeownership & Foreclosure
Displaying 1 - 10 of 15
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!
The Maine Court gives you the chance to go through a mediation process before your home can be foreclosed upon. This is probably your last best chance to save your home - or to find out about your other legal options.
If you're being threatened with a foreclosure of your home, you are not alone. Here are some tools to help: if you are having trouble keeping up with your mortgage payments, if you are already receiving threatening notices from your loan servicer, or even if you are already facing foreclosure.
Hiring a lawyer can be expensive and there are not enough free lawyers to help everyone who needs one. On the other hand, a lawyer can make a big difference in certain situations. Below we identify five such situations.
Short video about home foreclosure process in Maine.
In a foreclosure situation, the bank may be required to determine the "Net Present Value" of your home.  Doing this math can help the lender know whether a loan modification would be in everyone's best interests.  The attachment below is the calculator the FDIC posted on its website until recently and the one that Maine m
Educate yourself. Many, many people are in fear of losing their homes. Maine provides some free help resources, but not everyone will be able to get a free lawyer. Here, we want to help you get started by telling you about some options and where you may be able to get further help.
Beginning Jan. 1, 2010, the Maine Courts began offering a mediation program. This gives debtors the chance to sit down with their lender at the beginning of the court foreclosure process, to see if they can reach an agreement.
*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. 
You can file the attached form in the Maine District Court if you get court papers saying that your home is being "foreclosed."   You must act right away; there is a 20 day deadline.

Pages