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DebtShield

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ME Debt Laws

Maine Debt Collection Laws

Know your rights in Maine. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Maine Collection Law

Maine Fair Debt Collection Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Maine

Social Security
Unemployment
Workers' comp
Pension

Key Maine Protections

State FDCPA applies to original creditors
Strong AG enforcement

Federal Laws (Apply in Maine)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Maine Debt Dispute Letter

DebtShield auto-cites Maine laws + FDCPA