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About me

I approach my clients with compassion for the cards they have been dealt by life.  Anyone can find himself in financial difficulties these days.   I have nearly three decades of experience in representing people and small businesses in financial stress. Because I have a broad experience, encompassing bankruptcy, debt settlement, and foreclosure defense, I can guide you through the complexities of your rights and options, arriving at the most effective course of action for your particular circumstances. I have extensive experience in Chapter 13, in which you can have up to 5 years to cure a mortgage default, while also working for a loan modification. I run my own small business, so I am sensitive to the pressures of the self-employed.  If you are approaching retirement saddled with student loan debt, please come talk to me about discharging it. If you are a family farmer or fisherman, you need to know there is a special bankruptcy chapter designed to help you keep your assets and continue operating through dry spells and rough waters! Please do not use your retirement funds or take another loan on your house to deal with your debts until you have talked with me. I'd like to help you move forward to a new peace of mind. You will receive your legal services directly from me and my experienced paralegals - you will not be assigned to less experienced staff, as you might be in a larger firm. Call me today, or email my office for an appointment.


Practice areas


  1. Bankruptcy: 80%
    34 years
  2. Debt Settlement: 10%
    34 years
  3. Foreclosure: 10%
    11 years



Free consultation (20 minutes)

Payment types:

Cash, Check

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Contact info

Attorney at Law

5 Webhannet Place, Suite 4
Kennebunk, ME, 04043


NHAuthorized to practice law201107/15/2011
NJAdministrative - Not authorized to practice198206/25/2016
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
BV RatedMartindale-Hubbell1987
Member Rutgers Law ReviewRutgers School of Law, Newark1981
Work experience
TitleCompany nameDuration
OwnerGraybeal Law Office1997 - Present
PartnerYusem & Graybeal, P.A.1990 - 1997
AssociateLowenstein Sandler1985 - 1990
Association namePosition nameDuration
National Association of Consumer Bankruptcy AttorneysMemberN/A
National Association of Consumer AdvocatesMemberN/A
Max Gardner's Bankruptcy Litigation BootcampGraduateN/A
Pete Barry's FDCPA Litigation BootcampGraduateN/A
Maine Attorneys Saving Homes (MASH)Founding MemberN/A
Local Bankruptcy Rules Committee US Bankruptcy Court for the District of MaineMember2008 - 2013
Legal cases
Case nameOutcome
Overwhelming student loan debt$95,000 STUDENT LOAN DISCHARGED!
Home underwater due to excessive mortgage liensSECOND MORTGAGE STRIPPED FROM HOME!
Foreclosure case defeated due to lender's errorsFORECLOSURE CASE DISMISSED!
See all legal cases 
Publication nameTitleDate
Best Practices for Filing Chapter 13, 2011 ed, Thomson Reuters/AspatoreUsing Chapter 13 to Save Homes in a Changing Financial Landscape2011
Rutgers Law ReviewThe Private Attorney General and the Public Advocate: Facilitating Public Interest Litigation1982
School nameMajorDegreeGraduated
Rutgers University School of LawLawJD - Juris Doctor1982
Drew UniversityPolitical ScienceBA - Bachelor of Arts1975
Speaking engagements
Conference nameTitleDate
MultipleBankruptcy Continuing Legal Education Presentations for Maine State Bar AssociationN/A
Biennial Judicial Conference United States District Court for the District of MaineBankruptcy Continuing Legal EducationN/A