Bankruptcy Counseling Lewiston ME

Local resource for evaluating bankruptcy counseling in Lewiston. Includes detailed information on local businesses that provide access to bankruptcy lawyer and bankruptcy counseling, as well as advice on filing for bankruptcy, bankruptcy requirements, bankruptcy law, personal bankruptcy, business bankruptcy, liquidation bankruptcy and reorganization bankruptcy.

Matthew Mastrogiacomo
(207) 795-5000
75 Park Street, PO Box 891
Lewiston, ME
Specialties
Litigation, Family, Bankruptcy, Landlord & Tenant
Education
University of Maine School of Law,University of Maine
State Licensing
Maine

Neil S. Shankman
(207) 786-0311
11 Lisbon Street
Lewiston, ME
Specialties
Divorce, Bankruptcy, Personal Injury, Landlord & Tenant
Education
Capital University Law School
State Licensing
Maine

Darcie P.L. Beaudin
(207) 784-3200
95 Main Street
Auburn, ME
Specialties
Bankruptcy, Corporate, Business
Education
Boston College Law School,Colby College
State Licensing
Maine

Peter M. Garcia
(207) 784-3200
PO Box 3200
Auburn, ME
Specialties
Bankruptcy, Litigation, Corporate, State, Local And Municipal Law, Business
Education
Georgetown University Law Center,Georgetown University
State Licensing
Maine

Jonathan B. Huntington
(207) 622-3747
70 Lincoln Point Rd
Wayne, ME
Specialties
Bankruptcy, Intellectual Property, Litigation
State Licensing
Washington

Lloyd M Martin
(207) 786-3173
PO Box 7206
Lewiston, ME
Specialties
Litigation, Business, Bankruptcy, Social Security, Wills
Education
University of Maine School of Law,Dartmouth College
State Licensing
Maine

Regan M. Hornney
(207) 786-3566
184 Main Street
Lewiston, ME
Specialties
Bankruptcy, Commercial, Real Estate, Litigation, Corporate
Education
University of Maine School of Law,Boston University
State Licensing
Maine

Richard J. O'Brien
(207) 784-4563
83 Pleasant Street
Auburn, ME
Specialties
Bankruptcy, Wills, Trusts, Probate
Education
Boston University,Harvard University
State Licensing
Maine

Total Bankruptcy has a participating attorney in AUBURN
(866) 525-2557
243 Mount Auburn Ave.
AUBURN, ME
Description
Take control of your finances today! We have an extensive nationwide network of local, sponsoring bankrupcty attorneys. Call to discuss your options for stopping creditor harassment. We also have information on filing for chapter 7 and chapter 13 bankruptcy. Personal bankruptcy may be an option for you. Call today!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Total Bankruptcy has a participating attorney in SOUTH PARIS
(866) 525-2557
668 Paris Hill Road
SOUTH PARIS, ME
Description
Take control of your finances today! We have an extensive nationwide network of local, sponsoring bankrupcty attorneys. Call to discuss your options for stopping creditor harassment. We also have information on filing for chapter 7 and chapter 13 bankruptcy. Personal bankruptcy may be an option for you. Call today!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Bankruptcy's Early Warning Signs

Provided By: Realty Times

Bankruptcy filings jumped 40 percent in 2007, after sharp declines from a year earlier when the new bankruptcy law made it more difficult to seek bankruptcy-court protection from creditors.

The new law, Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was first effective in 2006.

Even though the law makes bankruptcy a more difficult option to use, rising mortgage payments, job losses and other financial pressures pushed up the bankruptcy rate after more and more consumers found no other recourse, according to the American Bankruptcy Institute.

The Association of Independent Consumer Credit Counseling Agencies (AICCCA) says there's often an alternative to bankruptcy if consumers know the warning signs and seek help as soon as the red flags fly.

The association has developed a set of warning signs as a tip off to trouble ahead. If you experience two or more you should immediately seek help.

The warning signs are:

  • Living paycheck to paycheck. Losing a job or a decrease in pay could be the final straw. Only a few months separates many consumers from a financial choke hold unless a quick change can be made to raise some cash or lower debt -- or both.

  • No savings cushion. Americans' average savings rate is slim to none. If you spend more than you earn, an unexpected and costly change, say a divorce, major home repair or car expense, could cause severe financial trauma.

  • Being under insured. A large portion of bankruptcies involve medical debt. If you can't afford the cost of an insurable incident without insurance, get insurance. If you lack insurance you also lack the wherewithal to cover sudden medical debt, home or car expenses and those other unexpected events.

  • A non-mortgage debt-to-income ratio that is more than 20 percent. For those who spend more than 20 percent of their take home pay for non-mortgage debt, again, without a drastic change, financial frustration could become chronic.

  • Making only minimum payments on credit cards. Paying only the minimum amount due means staying in debt longer and at a greater cost than is prudent. Those unable to make more than a minimum payment are at the mercy of even the slightest change in their financial condition.

If two of those red flags are signaling you, chances are you need financial counseling, assistance or both.

AICCCA and its members offer such counseling referrals. Other help is available from a host of other groups, including National Foundation for Credit Counseling (NFCC); NeighborWorks of America; Association of Community Organizations for Reform Now (ACORN); U.S. Department Of Housing and Urban Development; and local community and social service programs.

Author: Broderick Perkins
Copyright © 2008 Realty Times. All Rights Reserved.

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