Orrs Island 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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Andrew J. Kull

Real Estate, Electronic Commerce, Business & Trade, Bankruptcy

Status:

CONTACT

40 Boody Street, Brunswick, ME 04011

Thomas H. Scott

Personal Injury, Consumer Bankruptcy, Corporate, Litigation, Construction

Status: Licensed: 27 Years

CONTACT

14 Maine St, Brunswick, ME 04011

Andrew M. Dudley

Bankruptcy, Bankruptcy & Debt

Status: Licensed: 30 Years

CONTACT

Brunswick, ME 04011

Christopher B. Ledwick

Family Law, Criminal, Consumer Protection, Collection

Status: Licensed: 24 Years

CONTACT

Brunswick, ME 04011

Andrew M Dudley

Bankruptcy, Bankruptcy & Debt

Status: Licensed: 30 Years

CONTACT

Brunswick, ME 04011

Matthew Dillon Bowe

Criminal, Sex Discrimination, Banking & Finance, Bankruptcy, Identity Theft

Status: Licensed: 20 Years

CONTACT

18 Pleasant Street, Brunswick, ME 04011

Barbara Ann Cray

Bankruptcy, Banking & Finance, Constitutional Law, Electronic Commerce, Dispute Resolution

Status:

CONTACT

18 Pleasant Street, Brunswick, ME 04011

Joshua E. Spooner

Real Estate, Trademark, Copyright, Pension & Benefits, Commercial Bankruptcy

Status:

CONTACT

15 Terminal Road, Brunswick, ME 04011

Virginia York Lee

Patent, Federal, Corporate, Consumer Bankruptcy

Status: Licensed: 19 Years

CONTACT

67 Marquis Road, Freeport, ME 04032

800-814-6700

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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Orrs Island Bankruptcy & Debt Lawyer, Maine

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

Andrew J. Kull

Thomas H. Scott

Andrew M. Dudley

Christopher B. Ledwick

Andrew M Dudley

Matthew Dillon Bowe

Barbara Ann Cray

Joshua E. Spooner

Virginia York Lee

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LEGAL TERMS

COLLATERAL

BANKRUPTCY TRUSTEE

FAIR CREDIT REPORTING ACT (FCRA)

CREDIT INSURANCE

GUARANTOR

DEBT COLLECTOR

PRESUMED ABUSE

DISPOSABLE INCOME

C CORPORATION

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