File For Bankruptcy in Maine

    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
    Your Home
    Your Car
    Your Wages
    Your Furniture
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How We Help in Maine

Get Out of Debt and Start Fresh Today

UpRight Law is a national law firm dedicated to helping Maine residents get out of debt.

The stress of juggling bills, calculating and recalculating to try to make limited funds stretch to keep creditors at bay, can be exhausting. If your paycheck is spoken for before it arrives and you feel like you’ll never be able to get ahead, it’s time for a change. Imagine being able to pay your bills as they arrive, set aside money for retirement or your children’s education, and sleep easy at night.

Our unique system makes getting the information you need simple and stress free. Just request a free evaluation and we’ll connect you with an experienced bankruptcy attorney online so that you can explore whether Chapter 7 or Chapter 13 bankruptcy could provide the relief you need to start building a more solid financial foundation.

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Managing Credit Card Debt in Maine

A recent CardHub study of the sustainability of credit card debt across the country revealed that many Maine residents are stretched too thin. For example, the average credit card debt in Bangor is $5,076. Based on local income data, CardHub estimates an estimated payoff time of 55 months, during which time the card holder will pay $1,841 in fees and interest in addition to the current outstanding balance. If your credit card debt isn’t sustainable, it’s time to explore other options. Many experts recommend considering bankruptcy if your unsecured debts are too large to pay off within three years. A free, online consultation with one of our experienced bankruptcy attorneys will help you determine whether Chapter 7 bankruptcy could help you eliminate credit card debt and start fresh.

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Put a Stop to Creditor Harassment in Maine

Both the Maine and federal Fair Debt Collection Practices Acts impose restrictions on debt collector actions. While many debt collectors follow the law, many others bank on you not understanding your rights or knowing how to assert them. If you live in Maine and debt collectors are repeatedly contacting your friends and family, threatening you with arrest or other criminal action if you fail to make a payment, or continue to contact you after you’ve properly requested that they cease contact, they may be violating the law. No matter what they want you to think, you are not at their mercy. Learn more about your rights and how you can fight back.

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Filing for Chapter 7 Bankruptcy in Maine

Many Maine residents are carrying high credit card debt, but that’s only one reason you may be considering bankruptcy. More than 1,500 Maine individuals and couples filed for Chapter 7 bankruptcy protection last year. Statistically, nearly half of those bankruptcy filings were triggered, at least in part, by medical expenses. Some of the other most common triggers include divorce and job loss. In a Chapter 7 case, most unsecured debt can be eliminated. Generally, this includes credit card debt, medical bills, payday loans, utilities and similar debts. Once that debt is discharged in bankruptcy, a court order prohibits creditors and debt collectors from attempting to collect on the debt. If wiping the slate clean would help you build a better future for your family, take the time to learn more right away.

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Chapter 13 Bankruptcy Information for Maine Residents

Chapter 7 bankruptcy isn’t for everyone. Some people can’t qualify because their incomes are too high, while others have too much equity in their homes, cars, or other property to protect their assets in Chapter 7. For those people, Chapter 13 bankruptcy may provide the relief they need, while also protecting their valuables. A Chapter 13 plan allows people with regular income a respite from collection action while they catch up on their debts with monthly payments over a three to five year period. If you’re ready to learn more, schedule a free consultation right now.

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Can Bankruptcy Stop Foreclosure in Maine?

If you’re behind on your mortgage payments and have been threatened with foreclosure in Maine, you may think you have no real options. Think again. In many cases, a Chapter 13 bankruptcy plan will allow a homeowner to catch up on past-due payments over time, while keeping up with current payments. A Chapter 13 plan may be the answer for homeowners who have the income available to make mortgage payments and put something toward the past due amount, but can’t meet the mortgage company’s demands. If the homeowner isn’t able to keep up payments or determines that it makes more sense to start fresh, Chapter 7 bankruptcy can help avoid a deficiency judgment after surrender or foreclosure. If you’re up against the wall with your mortgage, learn more about how personal bankruptcy may be able to help. Timing may impact your options, so call now.

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Medical Debt in Maine

Medical debt is the leading cause of bankruptcy filings in the United States. While the debt collection industry would have you believe that bankruptcy comes about because people are irresponsible, overspend on credit cards or just don’t bother to pay their bills, no one voluntarily takes on a mountain of medical bills. In fact, far too many people make the mistake of taking out loans or lines of credit secured by their homes, taking money out of their retirement accounts, or paying medical bills with credit cards. In most cases, those types of “solutions” only make matters worse financially, putting homes at risk and raising interest rates. A better solution may be available: most medical debt can be discharged in a Chapter 7 bankruptcy case, prohibiting the creditor from ever pursuing payment.

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Wage Garnishment in Maine

If you’re facing collection actions, chances are that your budget is already stretched to the breaking point. When one creditor or debt collector obtains a wage garnishment order, the loss of up to 25% of your disposable income can destroy the whole delicate balance that keeps your rent or mortgage paid. Whether your wages are currently being garnished or you’ve been threatened with impending wage garnishment, filing bankruptcy may restore your income. When bankruptcy cases are filed, the automatic stay that is entered in most cases puts an immediate stop to collection activities, including wage garnishments. Schedule a free consultation to learn more.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Maine

The attorneys at UpRight Law are committed to helping Maine residents get the relief they need in order to reclaim their financial freedom and follow their dreams. We work with people in Portland, Brunswick, Bangor, Lewiston, Augusta and all around the state of Maine through our simple, convenient online platform. If you’re ready to take charge and make a positive change, request your free evaluation right now.

James S. Laliberty


Waterville, ME
8 Years of Experience

James is Vice President of the Waterville Bar Association as well as a member of Maine State Bar Association and the American Bar Association. He lives in Waterville with his wife Tiffany.

James gr […]

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Joyce Leary Clark


Saco, ME
27 Years of Experience

Joyce Leary Clark has been practicing law in southern Maine since 1990. She grew up on a small dairy farm in Saco. Joyce graduated from Thornton Academy in 1981 and received her A.B. degree in History […]

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