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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
5. Visit:
6. Website
7. Profile

Benjamin P. Campo

Business & Trade, Credit & Debt, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 22 Years

CONTACT

90 Bridge St, Westbrook, ME 04092

F. Bruce Sleeper

Litigation, Banking & Finance, Business, Credit & Debt

Status: In Good Standing

CONTACT

Portland, ME 04112

Lloyd N. Martin

Real Estate, Litigation, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Portland, ME 04104

Nicholas Jon Morrill

Real Estate, Contract, Business, Credit & Debt

Status: In Good Standing

CONTACT

Ten Free Street, Portland, ME 04112

Carl R Trynor

Child Custody, Credit & Debt

Status: Deceased Licensed: 63 Years

CONTACT

623 Forest Ave, Portland, ME 04101

Stanley F. Greenberg

Contract, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

East Winthrop, ME 04343

J. William Batten

Bankruptcy, Credit & Debt, Personal Injury, Social Security -- Disability

Status: Inactive Licensed: 51 Years

CONTACT

2 Stonebrook Road, Scarborough, ME 04074

Patrick C. Lever

Corporate, Credit & Debt, Foreclosure, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

25 Spring Street, Scarborough, ME 04074

800-923-0641

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LEGAL TERMS

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

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.

CCCS

See Consumer Credit Counseling Service.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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.

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Oxford Credit & Debt Lawyer, Maine

Sponsored Law Firm

L'Hommedieu Law Office, P.A.

SPONSORED LAWYERS

Benjamin P. Campo

F. Bruce Sleeper

Lloyd N. Martin

Nicholas Jon Morrill

Carl R Trynor

Stanley F. Greenberg

J. William Batten

Patrick C. Lever

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LEGAL TERMS

PREFERENCE

TRUTH IN LENDING ACT (TILA)

IRS EXPENSES

CREDIT FILE

CCCS

TOXIC TORT

PRESUMED ABUSE

DOING BUSINESS AS (DBA)

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

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