With heavy hearts, all of the attorneys and staff at Moncure & Barnicle announce the passing of our trusted friend, partner and colleague, John Richardson. Words cannot express the degree to which John will be missed by his loving family and so many others, not only here, but throughout the State of Maine and beyond. We share all of those same feelings and make this announcement with great sadness.

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Skilled Chapter 13 Attorneys

Filing for Chapter 13 Bankruptcy in Maine?

Maine Chapter 13 Attorney

Consumers who are struggling to repay debt, but who still have some form of steady income, may qualify for Chapter 13 bankruptcy as a means of eliminating their excess debt. Under Chapter 13 of the United States Bankruptcy Code, consumers with steady but insufficient income to repay their debt can work with their creditors to set up a three- to five-year repayment plan. During the course of the plan, the consumer will continue to make affordable payments. Once the repayment period is up, all remaining debt can be discharged.

Understanding Chapter 13 Bankruptcy

Chapter 13 is generally considered the better option when compared with Chapter 7 bankruptcy. Chapter 7 requires liquidation of certain nonexempt properties and assets, but Chapter 13 does not. With a Chapter 13 bankruptcy plan, you must make payments for several years before your debts are discharged, whereas Chapter 7 liquidation bankruptcy is concluded much more quickly. Unless you choose otherwise, you will be able to keep your home, your car, and other valuables, when going through Chapter 13; these assets can be subject to liquidation under Chapter 7.

If you are considering filing for bankruptcy, do not make such an important and life-changing decision without proper counsel. Moncure & Barnicle can provide an experienced and knowledgeable Maine attorney to help you understand your options. We can explain the pros and cons of both Chapter 13 and Chapter 7 bankruptcy for your situation so that you can make an educated decision and eliminate your debt.

Find a Lawyer in Topsham or Brunswick

Moncure & Barnicle proudly serves all of Maine, including Bath, Brunswick, Freeport, Lewiston, and Topsham. We have the experience and the knowledge to guide you through the bankruptcy process, no matter what your situation may be. Our lawyers share more than 170 years of combined experience and are intimately familiar with both types of consumer bankruptcy cases. We are prepared to guide you step by step and remain by your side through this difficult time.

With our help, you could find financial relief! Contact us today to learn more in a free case evaluation.

Clients Share Their Experiences

  • “I never had cause to question reliability, honesty or integrity. The best service I have ever had that I hope to never get again!”

    Rhys H.

  • “I always feel like I am talking to old friends when I need to speak with them. Family is really what they focus on and I am glad that I had them on my case.”

    Erin M.

  • “I was always kept informed of what was going on with my claim. It was great to know if you called and were not able to get ahold of Richard, that you would get a call back.”

    Shari W.

  • “I am so grateful for his patience, kindness and time, and would wholeheartedly recommend him if you need legal assistance.”

    Janice P.

  • “Excellent Experience”

    Andrew M.

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