Bankruptcy

Chapter 7, 11, 12, 13 bankruptcies, consumer bankruptcy, small business bankruptcy, consumer litigation, bankruptcy litigation (dischargeability actions, automatic stay/discharge injunction violations), foreclosure avoidance, loan modifications, fair debt collection practices act, creditor harassment, fair credit reporting act, credit report repair/corrections, Maine Unfair Trade Practices Act. I also offer non-bankruptcy alternatives, usually focusing on debt settlement or workouts. For more information, please view my website at www.southernmainebankruptcy.com.

• Chapter 13
• Chapter 7
• Collections & Repossessions
• Credit Disputes
• Debt Relief
• Garnishments
• Chapter 11
• Business Bankruptcy
• Credit Repair
• Credit Restoration
• Creditor Harassment
• Family Farmer Bankruptcy Chapter 12
• Personal Bankruptcy
• Foreclosures

ME, Oct 2005
Bar Number: 9871

MA, Dec 2005
Bar Number: 665011

Maine State and Federal Courts and Massachusetts State and Federal Courts.

Maine State Bar Association, National Association of Consumer Advocates, Maine Attorneys Saving Homes.

I attend regular seminars to keep updated on changes in the law.

In re Curtis (1st Circuit BAP 2007) drafted, argued and won summary judgment appeal alleging that credit report notations may violate the bankruptcy discharge injunction. In re Pratt (1st Circuit 2005) drafted appellate brief for case that established that passive collection techniques, like refusing to accept surrender of a vehicle, violate the bankruptcy automatic stay.

1

Maine and Massachusetts

A native of Kennebunk, Maine, I have been representing consumers in bankruptcies and litigation since before the bankruptcy laws changed. I have represented around 1,000 clients in the bankruptcy process, having worked at the largest consumer bankruptcy firm in Maine for two and a half years, followed by over a year at another major consumer firm in Auburn. I am one of two attorneys in Maine recognized by Bud Hibbs as a consumer advocate. In addition to helping individuals and small businesses through the Chapter 7 process or Chapter 13 reorganization, I represent debtors in prosecuting bankruptcy creditors who violate the laws and represent consumers in Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Unfair Trade Practices Act litigation, both defending against lawsuits initiated by debt collectors, and prosecuting those cases. I also offer non-bankruptcy alternatives, including debt settlement. There are many debt consolidation companies taking advantage of consumers. I offer a local service with legal representation from a qualified attorney. For more information, please consult my website, www.southernmainebankruptcy.com.

My firm opened on April 1, 2009, at the convenient location of 415 Congress Street in downtown Portland, just off the Franklin Arterial, between the City Hall and First Parish Church. From this central location, I hope to be able to help clients from Kittery up to the Bangor area. I also have the benefit of being just a five minute walk to the Bankruptcy Court house and a two minute walk from the District and Superior Courts.

Worked as the only associate attorney at a major bankruptcy law firm in Biddeford/Saco for two and a half years, established the firm's consumer litigation department, managed 150 Chapter 7 cases and 90 Chapter 13 cases at a firm in Auburn, established that firm's consumer litigation practice. Prior to law school, I worked as a Silver Specialist at Skinner, a major antiques auction company in Massachusetts, and ran my own antiques business established in 1989.

I perform pro bono bankruptcy and consumer work for Pine Tree Legal, Volunteer Lawyers Project and Cumberland Legal Aid Clinic.

Angela

(207) 699-1380

Monday through Friday
9:00 a.m. to 5:00 p.m.

I am available to meet by special appointment in the Bridgton area.

Yes

I offer free consultations. My bankruptcy cases are fixed price and range from $800 to $2,000, with $1,000 to $1,300 being the average upfront fee in Chapter 7 or 13 (additional fees are paid through a Chapter 13 plan). It is my goal to offer superior services at a lower rate than other specialists in the field. My low overhead and proximity to the Portland courts allow me to do that without sacrificing personal service. Most of my Fair Debt Collection Practices Act, creditor harassment, and bankruptcy litigation is taken on a contingent fee basis; I don't get paid unless we win or settle. For workouts, dischargeability actions, and some litigation, I charge the hourly rate of $185. It usually takes one to two hours to negotiate a favorable settlement on a credit card.

$185.

I offer a free initial consultation for as long as it takes for us to figure out a solution to your concerns.

In bankruptcy, my fees usually range from $800 to $1,500; for litigation I usually accept $100 to $500 as a retainer.