Find Help in Maine
92 government-validated organizations serving Maine — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Maine Residents Need Help
Maine's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 92 organizations below serve Maine residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
Maine's State Distress Index score is 39.4 (Normal), ranking #41 of 51 jurisdictions.
6 of Maine's 7 HUD-approved housing counselors offer foreclosure and default counseling. 1 agency serves in Spanish. 1 offers reverse mortgage counseling.
12 of the 40 DOJ-approved credit counselors serving Maine offer in-person sessions, and 35 offer online counseling. For the post-filing debtor education course, 8 of 44 providers offer in-person classes.
Housing Counselors (7)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (40)
DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
American Consumer Credit Counseling, Inc.
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Debtor Education (44)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Legal Aid (1)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Maine
Read the full Maine foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Maine
Bank Of America, National Association leads with 183 CFPB mortgage complaints in Maine (out of 1,288 total across all servicers). If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process.
File a CFPB complaint · View full Bank Of America, National Association complaint profile
Maine Resources
Frequently Asked Questions
How many verified help providers are in Maine?
There are 92 government-validated organizations serving Maine: 7 HUD-approved housing counselors, 40 DOJ-approved credit counselors, 44 debtor education providers, and 1 LSC-funded legal aid offices. Of the 7 counselors, 6 offer foreclosure prevention services and 1 serve in Spanish.
Are housing counselors in Maine free?
Yes. HUD-approved housing counselors provide free, confidential assistance. They can help you understand your options if you're behind on your mortgage, facing foreclosure, or dealing with a reverse mortgage. Maine uses non-judicial (trustee sale) foreclosure, with a typical timeline of 15 months. The earlier you contact a counselor, the more options you'll have. Call 1-800-569-4287 to reach one.
What is the difference between credit counseling and debtor education in Maine?
Credit counseling is required before filing for bankruptcy — a counselor reviews your finances and discusses alternatives. Debtor education is required after filing — a course that covers budgeting, money management, and using credit wisely. Both are provided by DOJ-approved agencies. Maine had 595 bankruptcy filings last year (#50 nationally per capita). 76% were Chapter 7 liquidations and 20% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Maine?
LSC-funded legal aid is available to low-income individuals, typically those earning below 125% of the federal poverty level. Each organization has its own intake process — call and ask about eligibility. Many can help with foreclosure defense, debt collection harassment, and housing disputes. Maine has 1 LSC-funded legal aid office — Pine Tree Legal Assistance, Inc. is the primary provider.
How current is this directory data?
Provider listings are pulled from federal government databases: HUD's Housing Counselor API, the DOJ US Trustee Program's approved agency feeds, and the Legal Services Corporation's grantee database. Data is refreshed periodically from these official sources.
What type of foreclosure does Maine use?
Maine uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 9–15 months. Lenders may choose either path, so timelines vary. See our full Maine foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Maine?
Maine has 1,288 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 183 complaints. If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process, or you can file a CFPB complaint directly. See BANK OF AMERICA, NATIONAL ASSOCIATION's full complaint profile.