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In a move aimed at protecting Maine residents from aggressive debt collection practices, a new law has been passed that restricts the ability of creditors to harass debtors. The law, which went into effect on January 29, 2026, includes provisions aimed at curbing harassing phone calls, threats of legal action, and other forms of intimidation commonly used by debt collectors.One of the key provisions of the new law is a limit on the number of times a creditor can contact a debtor each week. Under the new regulations, creditors are only allowed to contact debtors three times per week, down from the previous maximum of seven times. This change is intended to give debtors some breathing room and prevent them from feeling overwhelmed or intimidated by constant communication from creditors.Additionally, the new law prohibits creditors from making threats of legal action that they have no intention of following through on. This practice, known as "empty threats," is a common tactic used by debt collectors to scare debtors into making payments. Under the new regulations, creditors can only threaten legal action if they are genuinely considering taking legal steps to collect the debt.Maine residents who have been struggling with debt are welcoming the new law as a much-needed protection against aggressive debt collection practices. Many debtors have reported feeling overwhelmed and anxious due to constant harassment from creditors, and believe that the new regulations will offer them some relief."I've been dealing with debt collectors calling me non-stop for months now," said one Maine resident who wished to remain anonymous. "I'm relieved to hear that there are now limits on how often they can contact me. It's been a constant source of stress and anxiety, and I'm hopeful that this new law will make things a little bit easier for me."While the new law is expected to provide significant benefits to Maine debtors, some creditors have expressed concerns about its potential impact on their ability to collect debts. However, supporters of the legislation argue that it is necessary to strike a balance between protecting debtors from predatory practices and ensuring that creditors can still recover the money that they are owed.Overall, the new law represents a significant step forward in consumer protection for Maine residents struggling with debt. By limiting creditor harassment and providing debtors with some much-needed relief, the legislation aims to create a more fair and equitable debt collection process in the state.