Cape Elizabeth Bankruptcy & Debt Lawyer, Maine

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E. Chris L'Hommedieu
About | Practice Areas
L'Hommedieu Law Office, P.A.
190 Bates Street Lewiston, ME 04240» view map
Bankruptcy & Debt
More Than Just A Law Firm

L'Hommedieu Law Office, P.A. has been providing the best in legal representation in Bankruptcy, Personal Injury, Disability and Family law since 1997.

800-941-5060
1. E. Chris L'Hommedieu Lewiston, ME
  Attorney at Law - ME, 1996
  University of Maine J.D. 1995
2. AboutL'Hommedieu Law Office, P.A.
  More Than Just A Law Firm
3. Practice AreasExpertise
  Bankruptcy & Debt
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J. Scott Logan

Bankruptcy & Debt, Bankruptcy, Credit & Debt, Foreclosure

Status: In Good Standing

FREE CONSULTATION

CONTACT

75 Pearl Street, Portland, ME 04101

Hanna Sanders

Bankruptcy & Debt, Lending, Merger & Acquisition

Status: In Good Standing Licensed: 19 Years

CONTACT

16 Fairlawn Avenue, Portland, ME 04106

Peter J. Cyr

Criminal, Merger & Acquisition, Collection, Wrongful Death

Status: In Good Standing

CONTACT

85 Brackett Street, Portland, ME 04102

Richard N. Bryant

Commercial Real Estate, Business & Trade, Corporate, Commercial Bankruptcy

Status: In Good Standing

CONTACT

215 Commercial St, Portland, ME 04101

William H. Leete

Litigation, Business & Trade, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

1 Canal Plaza, Portland, ME 04101

James R. Lemieux

Real Estate, Commercial Bankruptcy, Corporate, Estate

Status: In Good Standing

CONTACT

57 Exchange St, Portland, ME 04101

John P. McVeigh

Litigation, International Intellectual Property, Securities, Bankruptcy

Status: In Good Standing

CONTACT

One City Center, Portland, ME 04112

Jaimie P. Schwartz

Commercial Real Estate, Real Estate, Business, Commercial Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

100 Middle Street, Portland, ME 04104

Jennifer L. Kruszewski

Government, Estate Administration, Estate, Reorganization

Status: In Good Standing Licensed: 18 Years

CONTACT

Two Monument Square, Portland, ME 04101

Shawn K. Doil

Foreclosure, Mediation, Contract, Reorganization

Status: In Good Standing

CONTACT

100 Middle Street, Portland, ME 04112

800-923-0641

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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Cape Elizabeth Bankruptcy & Debt Lawyer, Maine

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

J. Scott Logan

Hanna Sanders

Peter J. Cyr

Richard N. Bryant

William H. Leete

James R. Lemieux

John P. McVeigh

Jaimie P. Schwartz

Jennifer L. Kruszewski

Shawn K. Doil

TIPS

LEGAL TERMS

SETOFF

C CORPORATION

MEETING OF CREDITORS

CREDIT BUREAU

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CHAPTER 13 BANKRUPTCY

DISCHARGEABLE DEBTS

LIEN

SECRET WARRANTY PROGRAM

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