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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 write...
Practice areas & skills: Debt Settlement, Chapter 7 Bankruptcy, Credit Repair, Chapter 13 Bankruptcy, Bankruptcy & Debt
Review: “Within the first 5 minutes, I thought to myself "..finally! I can't believe it but there really is an attorney and right here in York near me all this time and I Everything I was told was true,Attorney Cardinali,...
Practice areas & skills: Debt Settlement, Tax, Foreclosure, Chapter 7 Bankruptcy
I grew up in Maine, first attending Erskine than UMaine Orono. I love Maine and often go hiking and biking in the summers and snow shoeing and cross country skiing in the winters. I recently joined the Waterville Rotary Club and the Midmaine Chamb...
Practice areas & skills: Debt Settlement, Estate Planning, Litigation, Criminal Defense, Family
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.