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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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E. Christopher L'Hommedieu

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Accident & Injury, Bankruptcy & Debt

Providing the best in legal representation in Bankruptcy, Personal Injury, Disability, and Family law since 1997.

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800-941-5060

190 Bates Street, Lewiston, ME 04240

Kim M. Vandermeulen

Real Estate, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

30B Summer Street, Winthrop, ME 04364

John D. Pelletier

Personal Injury, Bankruptcy

Status: In Good Standing Licensed: 39 Years

CONTACT

Readfield, ME 04355

Stanley F. Greenberg

Contract, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

East Winthrop, ME 04343

Douglas F. Jennings

Real Estate, Business, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 43 Years

CONTACT

115 Water St, Hallowell, ME 04347

Donald J. Gasink

Real Estate, Lawsuit & Dispute, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 51 Years

CONTACT

74 Winthrop Street, Augusta, ME 04330

Mark E. Susi

Lawsuit & Dispute, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

35 State House Station, Augusta, ME 04333

Peter Malia

Estate Planning, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 32 Years

CONTACT

1 Court Street, Augusta, ME 04330

Lucas Alejandro Cuellar

Immigration, Civil & Human Rights, Contract, Credit & Debt

Status: In Good Standing Licensed: 10 Years

CONTACT

3 Maple St, Hallowell, ME 04347

Paul L. Bourget

Immigration, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

187 Bowman Street, Farmingdale, ME 04344

800-923-0641

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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Wayne Bankruptcy & Debt Lawyer, Maine

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

E. Christopher L'Hommedieu

Kim M. Vandermeulen

John D. Pelletier

Stanley F. Greenberg

Douglas F. Jennings

Donald J. Gasink

Mark E. Susi

Peter Malia

Lucas Alejandro Cuellar

Paul L. Bourget

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

GUARANTOR

ADMINISTRATIVE EXPENSES

ACCORD AND SATISFACTION

MEETING OF CREDITORS

AUTOMATIC STAY

INTEREST

UNDUE HARDSHIP

NONEXEMPT PROPERTY

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