Perry O'Brian - Bangor Bankruptcy Attorneys
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Maine Chapter 12 Lawyer

If you own a business in Maine’s fishing industry or you are a family farmer who was hit hard by tough economic times, a Chapter 12 bankruptcy filing offers advantages you won’t find with a Chapter 13 reorganization. For example, you can modify or rewrite your home mortgage under Chapter 12. This is the only chapter of the Bankruptcy Code that allows you to modify the terms of your home mortgage.

You can reduce the interest rate, stretch out the length of the loan, and reduce the balance owed to the fair market value of the real estate. If you believe that you qualify, talk to an experienced bankruptcy attorney. At the law office of Perry O’Brian, we specialize in bankruptcy law. We provided comprehensive counsel to individuals and business owners for more than 36 years.

Well-versed in the laws and rules governing bankruptcy filings, we pay close attention to all trends and developments. When you hire us to handle your bankruptcy filing, we make the process as simple as possible. We minimize your stress and anxiety. We promptly respond to all calls and e-mails, seeking to complete your bankruptcy as quickly and cost-effectively as possible.

Our Chapter 12 Bankruptcy Practice

A Chapter 12 bankruptcy petition allows you to restructure your debt with more generous terms than those under other bankruptcy filings. You can propose a plan that rewrites the terms of your home loan and other secured debts by changing the interest rate, extending the length of the loan, and reducing the balance to the fair market value of the property.

You are not limited to the five-year period with Chapter 13. Filing, preparing, and submitting all the necessary paperwork, and acting as your liaison with creditors, the court, and the bankruptcy trustee, we handle all matters relevant to Chapter 12 bankruptcy. We carefully review your situation to determine if you qualify to file under Chapter 12. Then, we work directly with you to come up with an affordable plan.

Contact Attorney Perry O’Brian

To arrange a free initial consultation with an experienced Bangor Chapter 12 bankruptcy lawyer, contact us by e-mail. Call our office at 207-942-4697 or toll-free at 877-900-9857. We can set up an installment payment plan to make legal representation more affordable.


Perry O’Brian is a Member Of: The National Association of Consumer Bankruptcy Attorneys

The Law Office of Perry O’Brian is a federally designated Debt Relief Agency under the United States Bankruptcy Laws. We proudly assist people with finding solutions to their debt problems, including, where appropriate, assisting them with the filing of petitions for relief under the Bankruptcy Code.