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Maine Collections Questions & Answers
2 Answers | Asked in Bankruptcy, Civil Litigation, Collections and Small Claims for Maine on
Q: What are my options for getting out of this cosign situation?

I cosigner a car loan a few years ago with my girlfriend at the time. We broke up, and she refused a pay it, and has been on the run to stop ot from getting repossessed. I can't afford to pay it. What are my options? I live in maine.

Timothy Denison
Timothy Denison
answered on Nov 26, 2022

Find the car, repossess it if your name is on it, then sell it and pay the proceeds on the loan. There’s really no other way for you to get out from paying its. If your name is not on the title, then you’ll need to sue her to resolve this.

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2 Answers | Asked in Bankruptcy, Civil Litigation, Collections and Small Claims for Maine on
Q: What are my options for getting out of this cosign situation?

I cosigner a car loan a few years ago with my girlfriend at the time. We broke up, and she refused a pay it, and has been on the run to stop ot from getting repossessed. I can't afford to pay it. What are my options? I live in maine.

Fred Bopp III
Fred Bopp III
answered on Nov 27, 2022

I agree with Attorney Denison's answer. The only thing I would add is you could always contact the lender, explain the situation, and see if they will remove you from the loan under any set of circumstances.

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1 Answer | Asked in Bankruptcy and Collections for Maine on
Q: Can a debt collector leave a detailed voicemail on someone else’s phone, who is not a family member or spouse?

The debt collector said “this message is for *my name* if this isn’t *my name* please disconnect.” However, you can see the full message with visual voicemail and who would actually stop listening to a voicemail left on their phone. Then they stated their name, that they are attempting to... View More

Timothy Denison
Timothy Denison
answered on Nov 11, 2022

No. They cannot.

1 Answer | Asked in Collections for Maine on
Q: Which state determines a foreign judgment's expiry?

I had a default judgment against me in another state, where judgments expire after 10 years. The judgment expired and I believe its renewal would have required me to be notified, which I was not, so I believe it wasn't renewed. But  when it was first obtained, it was registered in my home... View More

Fred Bopp III
Fred Bopp III
answered on May 4, 2020

The general rule is that judgments registered in a new state are treated the same as judgments issued originally in the new state for purposes of enforcement, so it is likely that the 20-year expiration period of the new state applies to the registered judgment (at least as to enforcement efforts... View More

1 Answer | Asked in Foreclosure, Real Estate Law and Collections for Maine on
Q: Is my girlfriend allowed to gain the title to her trailer after a profit loss write off on the mortgage?

My girlfriend and her mother both had their names on a mortgage for her trailer. It was paid on decently from 2015 to the end of 2018 when her mother passed away. Afterwards we spent a couple months trying to contact the company we paid mortgage to, which in turn caused us to talk to the owner. We... View More

Fred Bopp III
Fred Bopp III
answered on Feb 9, 2020

I am sorry, but I would need more information in order to analyze this situation properly. For starters, who is the owner you reference above? Is this person the owner of the trailer? If not, who is the owner of the trailer? Also, who is the holder of the mortgage? Finally, why do you say you... View More

1 Answer | Asked in Collections for Maine on
Q: Should I get half the money

A friend and I went together and bought jewelry lots and now she’s sold all of it so I’m asking if I have a right to half the

Money she got since I paid half

Fred Bopp III
Fred Bopp III
answered on Sep 18, 2019

Did you have an agreement as to how the proceeds from the sale of the jewelry lots would be split? If so, that would control. If not, I think you would at least have a good argument that, since you provided half of the funds needed to acquire the jewelry lots, you should receive half of the... View More

1 Answer | Asked in Collections for Maine on
Q: I have received emails from a company calling itself Revenue Discovery Systems.

They say they have filed a case against me. It is in regards to a payday loan. CASE FILE # D/A-497528

They spell many things wrong in their emails and use faulty grammar. They say they represent a Payday lender that has gone out of business. Am I being scammed?

Fred Bopp III
Fred Bopp III
answered on Nov 27, 2018

It's certainly possible this is a scam, but I would need to see and review the actual documents to confirm that.

1 Answer | Asked in Collections for Maine on
Q: What's the statute of limitations for filing a debt collections suit?
Fred Bopp III
Fred Bopp III
answered on Nov 9, 2018

In most consumer debt cases, the statute of limitations for filing a debt collections suit is 6 years from the time the consumer stopped making payments on the obligation.

1 Answer | Asked in Contracts and Collections for Maine on
Q: Maine-I filed small claims action 4 breach of contract re: dog breeding, I won, Defendant did not pay judgement $6000 by

deadline, had been given means 2 do so by courts in ruling by selling pups in her possession awarded 2 plaintiff 2 be placed from defendants residence due 2 health concerns. I then filed a contempt case & won. Defendant ordered 2 pay $1000 what they claimed they had left after spending rest... View More

Elliott R. Teel
Elliott R. Teel
answered on Jun 16, 2017

Sounds like you have done a good job so far. I would say do a disclosure hearing and request all their financials - bank statements, tax returns, debts, and business P&L statements. Then the court can set a payment plan or a deadline for full payment, again enforceable by a contempt action.

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