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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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Kimberly A. Watson

Bankruptcy, Products Liability, Business, Disability

Status: In Good Standing

CONTACT

One Tyler Drive, Buxton, ME 04093

Edward S. Daigle

Bankruptcy, DUI-DWI, Divorce, Family Law

Status: Suspended

CONTACT

74 Joy Valley Road, Buxton, ME 04093

Keith J. Cunningham

Business, Reorganization, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

46 Codman Street, Portland, ME 04103

Keith J. Cunningham

Business, Reorganization, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

46 Codman Street, Portland, ME 04103

Brian J. Hansen

Child Custody, Criminal, Civil & Human Rights, Bankruptcy, Estate

Status: In Good Standing Licensed: 18 Years

CONTACT

2211 Congress Street, Portland, ME 04102

Eric F. Saunders

Health Care, Business, Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

59 Tide Mill Rd, Portland, ME 04102

Steven E. Cope

Business, Real Estate, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

461 Stevens Ave, Portland, ME 04104

Peter L. Hatem

Commercial Real Estate, Civil & Human Rights, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

200 U.S. Route 1, Scarborough, ME 04074

Matthew Hutchins

Administrative Law, Credit & Debt, Employee Rights, International Other

Status: Inactive Licensed: 42 Years

CONTACT

Scarborough, ME 04070

Daniel R. Felkel

Labor Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

Scarborough, ME 04070

800-923-0641

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LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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).

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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Gorham Bankruptcy & Debt Lawyer, Maine

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

Kimberly A. Watson

Edward S. Daigle

Keith J. Cunningham

Keith J. Cunningham

Brian J. Hansen

Eric F. Saunders

Steven E. Cope

Peter L. Hatem

Matthew Hutchins

Daniel R. Felkel

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LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

LIEN

AUTOMATIC STAY

TRUTH IN LENDING ACT (TILA)

SETOFF

PRESUMED ABUSE

REAFFIRMATION

REPOSSESSION

SOLE PROPRIETORSHIP

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