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Clark Joyce Leary

Saco, Maine, United States

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General Info:

Chapter 7, Chapter 13 Joyce Leary Clark has been filing consumer bankruptcy petitions in the District of Maine for more than 20 years. She has filed over 2,000 cases for clients in Cumberland, York, Androscoggin, Sagadahoc, Oxford, and Kennebec counties. If your case must be filed in a different county, Joyce can refer you to a trusted colleague closer to your home. Joyce represents clients filing under Chapter 7 ("straight" bankruptcy) and Chapter 13 ("wage earner" plans). During your consultation, she can explain the difference between the two chapters and help you determine if filing under either chapter is the right decision for you. If it would be more appropriate for you to file under Chapters 11 or 12, she can refer you to another attorney. More Information on Bankruptcy or Debt Relief The decision to file for bankruptcy protection is a difficult one. Bankruptcy laws have changed many times over the years. Many people have strong opinions about bankruptcy. Some people believe it is morally wrong or that it is an "easy way out." Some people believe that they cannot file for bankruptcy protection because their income is too high. Many people believe they can't file because they think they will lose their house, car, or job. A lot of information circulating about bankruptcy is wrong. You need the facts. Even if you have a friend or family member who filed for bankruptcy protection in the past, your situation may be different. The U.S. Bankruptcy Code and Maine's exemption statutes change. Different states allow different exemptions (what property is protected from your creditors). Courts in different states may interpret the U.S. Bankruptcy Code differently. Therefore, you may have a different experience (positive or negative) than someone else.

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