Richard Gaudreau
GET UPDATES FROM Richard Gaudreau
 
Richard Gaudreau is an attorney located in Salem, New Hampshire. In addition to his law degree, he holds a Masters of Law from Boston University. His solo practice of 21 years focuses on consumers and small businesses. He is board certified in consumer bankruptcy law by the American Board of Certification, and he is the New Hampshire state chair of the National Association of Consumer Bankruptcy Attorneys (NACBA).

Attorney Gaudreau’s blog at The Consumer Advocate is focused on the topics of bankruptcy, personal finance and the law.

Attorney Gaudreau has represented hundreds of bankruptcy clients in both New Hampshire and Massachusetts and handles each case personally. Unlike "bankruptcy mills" who farm out their source work to document-preparers, Attorney Gaudreau personally and aggressively represents individual and small business interests. Each client receives his thorough and highly personalized attention. He routinely files federal lawsuits against credit card companies on behalf of his bankruptcy clients if they ignore the law requiring them to stop all debt collection after a bankruptcy is filed.

Rich is a dedicated supporter of and volunteer at the Upper Room in Derry, New Hampshire, which is a non-profit family resource center. He is married with one son, and he is an avid golfer, chess player, and music lover.

Attorney Gaudreau can be reached at Richard@AttorneyGaudreau.com.

Facebook -- www.facebook.com/profile.php?id=100000071754225

Twitter -- www.twitter.com/gaudreaulaw

Blog Entries by Richard Gaudreau

Freedom Through Commitment

(0) Comments | Posted December 15, 2011 | 9:54 AM

When you can wait,
And do anything you want,
When you can wait,
And not do anything,
Everyday.
Then the days are
thin and burdensome.

But if you're just doing nothing,
Then you shouldn't be waiting,
And you're not free.

Read Post

Bankruptcy Is the Cost of the Way the Credit Card Industry Does Business

(10) Comments | Posted July 13, 2011 | 3:58 PM

One newspaper article in 1997 told me all I needed to know about the business model for the credit card industry. Beneficial National Bank, the credit card lender for BJ's Warehouse, notified 12,000 of its customers that it was revoking their credit card privileges. A logical guess would...

Read Post

Foreclosure Sale -- Buyer Beware!

(22) Comments | Posted February 8, 2011 | 4:16 PM

Buyers of property at foreclosure are looking for a bargain, but that risk now must include the possibility that the title will be defective. One unsuspecting family purchased a home at foreclosure, intending to sell it to their daughter, only to have a title company question whether they acquired good...

Read Post

How to Get Rid of a Second Mortgage Without a Loan Modification

(5) Comments | Posted January 3, 2011 | 5:08 PM

Following the maxim that drastic times call for tepid measures, the banking industry continues to pay "lip service" to loan modifications while doing little. On Dec. 15, the Congressional Oversight Committee admitted the government's HAMP loan modification program has failed to help enough homeowners to stem the tide of foreclosures....

Read Post

Are Loan Modifications Causing Foreclosures?

(79) Comments | Posted August 20, 2010 | 10:58 AM

When the economy crumbled in 2008 as real estate values plummeted, Congress was under pressure to appease the public's demand for action to stem the tide of foreclosures. Congress considered repealing the prohibition in the law against bankruptcy judges modifying the terms of predatory mortgages, but rejected that option, inexplicably...

Read Post