Lewiston Bankruptcy & Debt Lawyer, Maine, page 2

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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
1. Contact
2. Email
3. Refer
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Neil S. Shankman

Landlord-Tenant, Litigation, Lawsuit & Dispute, Commercial Bankruptcy, Accident & Injury

Status: In Good Standing

CONTACT

472 Main Street, Lewiston, ME 04240

Irving Isaacson

Commercial Bankruptcy

Status: Deceased Licensed: 85 Years

CONTACT

Lewiston, ME 04243

James P. Howaniec

Family Law, Divorce, Criminal, Bankruptcy

Status: In Good Standing Licensed: 39 Years

CONTACT

Lewiston, ME 04243

Jeffrey Philip White

Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

243 Mount Auburn Avenue, Auburn, ME 04210

John D. Clifford

Foreclosure, Oil & Gas, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 76 Years

CONTACT

Lisbon Falls, ME 04252

800-923-0641

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LEGAL TERMS

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

CREDIT FILE

See credit report.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a 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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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Lewiston Bankruptcy & Debt Lawyer, Maine, page 2

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

Neil S. Shankman

Irving Isaacson

James P. Howaniec

Jeffrey Philip White

John D. Clifford

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LEGAL TERMS

IRS EXPENSES

CREDIT FILE

CREDIT REPORT

REPOSSESSION

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DEBIT CARD

NONDISCHARGEABLE DEBTS

BULK SALES LAW

DISPOSABLE INCOME

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