A bankruptcy lawyer helps you get out from under debt you can't pay — stopping collections, lawsuits, garnishment and foreclosure — and decides with you whether Chapter 7, Chapter 13 or another option fits best.

Questions to ask before you hire

Am I eligible for Chapter 7 or Chapter 13?
What happens to my house and car?
Which debts will be wiped out?
What's your total fee, including filing?
How soon can collection calls stop?

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Maine Bankruptcy guides

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Plain-English guides to the law. General information, not legal advice.

The Automatic Stay in Maine Bankruptcy

Maine bankruptcy automatic stay (11 U.S.C. § 362) immediately halts most collection actions, lawsuits, foreclosures, and wage garnishments the moment a bankruptcy is filed.

Chapter 11 Business Reorganization in Maine

Maine businesses can use Chapter 11 to reorganize debt while continuing operations. Subchapter V (small-business) streamlines for businesses with debt under ~$7.5M.

Chapter 13 Bankruptcy in Maine

Chapter 13 ("reorganization" bankruptcy) lets Maine debtors keep their assets and repay debts under a 3- or 5-year court-supervised plan. The state's median household income (~$110,000 for a family of 4) controls plan length.

Chapter 7 Bankruptcy in Maine: Exemptions and Eligibility

Maine bankruptcy uses only state exemptions (federal not allowed). Homestead: $80,000 ($160,000 over 60 or disabled).

Debt-Collection Defense in Maine

Maine consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.

Debts That Survive Bankruptcy in Maine

Bankruptcy is federal — but not all debts get discharged. Maine cases are filed in U.S. Bankruptcy Court for the District of Maine. Several debt categories survive bankruptcy.

Bankruptcy Means Test in Maine

Maine bankruptcy means test compares debtor income to median family income (currently ~$110,000 for a family of 4). Below median = automatic Chapter 7 eligibility.

Student-Loan Discharge in Bankruptcy in Maine

Maine student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

Wage Garnishment Defense in Maine

Maine wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

Frequently Asked Questions

Will bankruptcy stop collection calls and garnishment?

Filing triggers the automatic stay, which generally stops most collection actions, lawsuits, garnishments and foreclosures right away.

Chapter 7 or Chapter 13?

Chapter 7 wipes out most unsecured debt in a few months if you qualify. Chapter 13 sets up a 3–5 year payment plan and can help you keep a home or car.

How much does a bankruptcy lawyer in ME cost?

Chapter 7 is usually a flat fee; Chapter 13 fees are often partly paid through the plan. Ask for the total, including court filing costs.

How many bankruptcy lawyers are listed in ME?

There are currently 58 bankruptcy lawyers listed in ME on CGMIMM.

Bankruptcy Lawyers in ME

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Get help from a bankruptcy lawyer in ME

CGM Local in ME

Molleur Law Office

Boulette, Timothy H

James F Molleur

Curtis Thaxter Stevens Broder

Hunter, Scott G

Bingham McCutchen Llp