Maine

Maine

Maine Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Mortgage.

Foreclosure Type(s): Judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Initial Public Notice: Complaint.

Estimated Foreclosure Process Period: 240+ days.

First Notice to Sale Time Period: 30+ days.

Redemption Period?: Yes, 90 days.

Deficiency Balance?: Yes.

* * * This information represents MRP’s current understanding of the Maine foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure foreclosure attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Maine! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Maine

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Maine

Agency Name Phone
Website
Address Languages
MMI – Auburn Phone: 800-873-2227
Web: www.moneymanagement.org
250 Center St., Ste. 205
Auburn, Maine 4210
– English
MMI – Bangor Phone: 800-308-2227
Web: www.moneymanagement.org
175 Exchange St., Ste. 200
Bangor, Maine 4401
– English
Penquis, Inc Phone: 207-973-3500
Web: www.penquis.org
262 Harlow Street
Bangor, Maine 04402
– English
Community Concepts, Inc. Phone: 207-743-7716
Web: www.community-concepts.org
240 Bates Street
Lewiston, Maine 04240
– English
Avesta Housing Development Corporation Phone: 207-553-7777
Web: www.avestahousing.org
307 Cumberland Avenue
Portland, Maine 04101
– English
MMI – South Portland Phone: 800-873-2227
Web: www.moneymanagement.org
111 Wescott Road
South Portland, Maine 4106
– English
MMI – South Portland Phone: 800-308-2227
Web: www.moneymanagement.org
111 Wescott Road
South Portland, Maine 4106
– English
Kennebec Valley Community Action Program Phone: 800-542-8227
Web: www.kvcap.org
97 Water Street
Waterville, Maine 04901
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Maine

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
MONEY MANAGEMENT INTERNATIONAL BANGOR P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
175 Exchange St Ste 200
Bangor, Maine 04401-6537
– English
– Spanish
PENQUIS COMMUNITY ACTION PROGRAM P: 207-974-2403
T: 888-424-0151
F: 207-973-3699
E: hmassow@penquis.org
W: www.penquis.org
262 Harlow Street
PO Box 1162
BANGOR, Maine 04401-4952
– English
WESTERN MAINE CAP P: 207-645-3764
T:
F: 207-645-0002
E: InformationandReferral@wmca.org
W: wmca.org
20 A Church St
East Wilton, Maine 04234-0200
– English
COMMUNITY CONCEPTS, INC. ALSO DBA HOMEQUESTMAINE P: 207-795-4065
T:
F:
E: info@homequestmaine.org
W: www.homequestmaine.org
240 Bates St
Lewiston, Maine 04240-7330
– English
– French
AVESTA HOUSING DEVELOPMENT CORPORATION P: 207-553-7780-226
T: 800-339-6516
F: 207-553-7778
E: dstolt@avestahousing.org
W: www.avestahousing.org
307 Cumberland Avenue
PORTLAND, Maine 04101-4920
– English
PINE TREE LEGAL ASSISTANCE, INCORPORATED P: 207-774-8211
T:
F: 207-828-2300
E: nheald@ptla.org
W: www.ptla.org
88 Federal St
PO Box 547
PORTLAND, Maine 04101-4205
– Arabic
– ASL
– Cambodian
– Cantonese
– Chinese Mandarin
– Creole
– Czech
– English
– Farsi
– French
– Hindi
– Hmong
– Indonesian
– Korean
– Polish
– Portuguese
– Russian
– Spanish
– Swahili
– Turkish
– Ukrainian
– Vietnamese
AROOSTOOK COUNTY ACTION PROGRAM, INC. P: 207-768-3023-650
T: 800-432-7881
F: 207-768-3021
E: jbaillargeon@acap-me.org
W: www.acap-me.org
771 Main St
PRESQUE ISLE, Maine 04769-2201
– English
YORK COUNTY COMMUNITY ACTION AGENCY P: 207-459-2959
T:
F: 207-490-5026
E: jenniferg@yccac.org
W: www.yccac.org
PO Box 72
6 Spruce Street
Sanford, Maine 04073-0072
– English
– French
– German
KENNEBEC VALLEY COMMUNITY ACTION PROGRAM P: 800-542-8227
T:
F:
E: info@kvcap.org.
W: www.kvcap.org
97 Water St
Waterville, Maine 04901-6339
– English
COASTAL ENTERPRISES, INCORPORATED P: 207-882-7552-5151
T: 877-340-2649
F: 207-882-6365
E: jthomas@ceimaine.org
W: www.ceimaine.org
41 Water Street
WISCASSET, Maine 04578-4134
– English
– Spanish

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Maine, please visit the HUD website.