About Us

My Values and History

Maine Bankruptcy lawyer

J Scott Logan. Esq

A lifelong resident of Maine, I graduated from Bowdoin College summa cum laude and Phi Beta Kappa where I met my wife, Carrie McGilvery, a Yarmouth native. I briefly pursued a career before attending Boston College Law School. There, I was a writer for the Uniform Commercial Code Reporter Digest.

After law school, I returned to Maine, where I have practiced exclusively in the fields of consumer and small business bankruptcy and consumer law in Saco, later in Auburn, and for the past five years, in Portland.

I pride myself on offering one-on-one communication with my clients, at a low cost. Many bankruptcy lawyers divide up the work between the partner, associates and paralegals. However, I have found that practice makes my clients uneasy. When you call me for a free consultation, you can be assured that they will meet with me. We will discuss all of the options available, whether you are facing a foreclosure, consumer law issue, or debt management issue. We will work with you to determine the best course of action, whether that is seeking a loan modification, mediating a foreclosure, pursuing debt settlement, debt consolidation (unfortunately, I don’t offer this service, but will put you in touch with someone who does), or Chapter, 7, 11, 12, or 13 bankruptcy. When there are court hearings, I will be the lawyer attending them, and I do my very best to answer all emails and calls personally. I find that having one person follow a case from start to finish enables that person to better represent his clients and gives the clients a sense of security in a very stressful situation.

Our Services:

Chapter 7 Bankruptcy:

Chapter 7 is a 90-120 day process that discharges most debts. It is primarily used to eliminate credit card, medical, and utility debts and personal loans. Most property can be protected during this process. The average cost at my office is $1,350 plus $306 filing fee and $50 credit counseling fees.

Chapter 13 Bankruptcy:

Chapter 13 is a 3-5 year repayment plan, in which you repay what you can afford to your creditors. It can also be used to eliminate second mortgages, repay income tax debt while eliminating most penalties and freezing interest, or “cram down” debt to the value on many cars or business equipment. Some people use it to protect property that can’t be protected in Chapter 7. The average up front cost at my office (there are additional fees paid through the plan) is $1,350 plus $281 filing fee plus $50 credit counseling fees

Chapter 11 or 12 Bankruptcy:

Chapter 11 bankruptcy is similar to Chapter 13 in that you repay what you can afford over 3-5 years. Unlike Chapter 13, it is available to people with more than $360,475 unsecured debt and to businesses seeking to reorganize. Chapter 12 is available to family farmers and fisherman. It offers greater benefits that Chapter 13. Particularly, it allows people to modify their loans by changing terms and potentially stretching out their repayment.

Debt Settlement:

A Common alternative to bankruptcy is debt settlement. Beware of debt settlement companies! Most offer an attractive monthly payment, but do little or no work until their fees (around 15% of the total debt) are paid. In the meantime, creditors continue calling, charging interest, and often file lawsuits! We accept lump sums in escrow, negotiate settlements (usually around 30-50%) and get the accounts closed quickly. However, any time debt is settled, you may get a 1099 for the amount forgiven, which the IRS considers income to you.

Foreclosure Defense – In Maine.

Homeowners have a right to mediation in foreclosure. We can use that as a vehicle to get a loan modification that might otherwise take a year or more to be approved. We often modify a first mortgage through mediation, then file Chapter 13 to eliminate a second mortgage or home equity loan.

Consumer Law Violations:

Whether you are in bankruptcy or dealing with a debt collector, there are laws protecting your rights. Often creditors and debt collectors violate those rights. We can determine if you have a claim for monetary damages and pursue that claim on your behalf, frequently at no cost to you.

Creditor Representation:

While I focus my practice on representing consumers, I also represent individuals who have claims against other people in bankruptcy. Just because someone files bankruptcy doesn’t mean an ex-spouse or wronged lender doesn’t have rights. However, there may be a very short time to take action to protect those rights.

 

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