Specializing in: Chapter 7, 12, & 13 Consumer & Small Business Bankruptcy & Consumer Law, Including Foreclosure Defense, Debt Settlement and Restructuring / Reorganization
A native of Kennebunk, and current resident of Yarmouth, Maine, I have been representing consumers in bankruptcies and litigation since before the bankruptcy laws changed. I have represented over 1,500 clients in the bankruptcy process, having worked at the largest consumer bankruptcy firm in Maine for several years, followed by another major consumer firm in Auburn, before starting my own practice in Portland about 6 years ago. I am one of very few 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 12 or 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, and is located at the convenient location of 75 Pearl Street in downtown Portland, just off the Franklin Arterial. 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.Example casesIn 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.
I make a special practice of helping farmers and fishermen and of pursuing mortgage loan modifications through the bankruptcy and state law courts.
75 Pearl Street
Portland ME 04101
I offer a free initial consultation for as long as it takes for us to figure out a solution to your concerns.
I offer free consultations. My bankruptcy cases are fixed price and range from $800 to $2,000, with $1,300 (plus $399 costs)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. In foreclosure defense cases, I can usually represent homeowners for a flat fee of less than $1,000.00
$200, flat fee
Monday through Friday
8:00 a.m. to 5:00 p.m.
I am available to meet by special appointment in the Bridgton area.
Representing consumers and small businesses in bankruptcy and foreclosure defense with a specialty focus on Chapter 12 reorganizations for fishermen and farmers
In Chapter 12, certain fishermen and farmers can get rid of unsecured credit card and medical bills, restructure their business loans over up to 20 years and force their mortgage holders to modify their loans, bringing the amount owed down to the value of the house and lowering the interest rates.
I wanted to help consumers use the laws designed to protect them.
It is important to understand the legal process you are involved in. However, some areas of the law, like bankruptcy and consumer litigation, should not be pursued without the assistance of a qualified advocate.
I am willing to do so, but sometimes reviewing and changing documents can be more time intensive and costly than seeking assistance at the start.
I am willing to assist, but caution clients to consider retaining counsel in complicated matters. All bankruptcy clients who want to represent themselves should visit www.meb.uscourts.gov. The local bankruptcy court website is filled with sample forms and information.
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 several hundred bankruptcy 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.
As a native of Kennebunk, Maine, I understand the problems and challenges faced by our state's citizens. I grew up in a lower income household, which was dramatically affected by health issues. I think my experiences give me insight into the events which clients to my door and enable me to better help them.
I sympathize with my clients and get along well with them. Many bankruptcy attorneys treat the process as a factory, pushing as many clients through as possible. I take the time to get to know clients and that helps me represent them better. I also have a broad range of knowledge. I can represent clients in a bankruptcy and represent them in prosecuting a creditor who violates bankruptcy laws months or years later. I can also advise clients on who to best to rebuild their credit after a bankruptcy. Most attorneys don't offer services beyond the bankruptcy filing. For more information, check out my website at www.southernmainebankruptcy.com.Personal interests:
I enjoy antiquing, bottle collecting, running, and spending time with my wife and two sons in our 1804 house in Yarmouth.
Bar Number: 9871
Boston College Law School
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