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CHERYL C. DESHAIES is an attorney in Exeter, New Hampshire. Her practice concentrates in debtor bankruptcy, debt adjustment, collections, and related litigation. Ms. Deshaies also offers collection and bankruptcy services to creditors, including trade creditors, in and out of bankruptcy and has considerable experience defending and prosecuting preference actions under the bankruptcy code. Prior to relocating to Exeter, she was associated for approximately ten years with the law firm of McLane Graf Raulerson & Middleton, Professional Association. While at McLane, Ms. Deshaies represented small to large financial institutions in and out of bankruptcy. Ms. Deshaies earned her J.D. degree from Vermont Law School in South Royalton, Vermont where she was a member of the Vermont Law Review. She is a member of the New Hampshire Bar Association, the American Bankruptcy Institute, and the National Association of Consumer Bankruptcy Attorneys. Ms. Deshaies is licensed to practice before the state courts in New Hampshire and the Commonwealth of Massachusetts, as well as the bankruptcy court and the U.S. District Court for the District of New Hampshire and the First Circuit Court of Appeals. RICHARD D. GAUDREAU is a sole practitioner in Salem, New Hampshire, where his main areas of practice are bankruptcy, bankruptcy litigation and predatory lending lawsuits. He is board certified in consumer bankruptcy by the American Board of Certification. Mr. Gaudreau is a member of the American Bankruptcy Institute and is chair of the New Hampshire National Association of Consumer Bankruptcy Attorneys. MICHELLE KAINEN is a sole practitioner in White River Jct., Vermont. Ms. Kainen practices bankruptcy and criminal defense in both Vermont and New Hampshire. She received her B.A. degree from San Diego State University, and a Master's Degree, in accounting, from San Diego State University. Ms. Kainen completed Vermont 's Four-Year Law Office Study Program. She has had a number of published decisions on pivotal issues in bankruptcy, both at the bankruptcy court and appellate levels. Ms. Kainen is the chairperson of the Bankruptcy Section of the Vermont Bar Association and is also a member of the National Association of Consumer Bankruptcy Attorneys. CHRISTOPHER SOMMAis an attorney with the law firm of Ford & Weaver, P.A. Mr. Somma concentrates his practice in bankruptcy law, creditors' rights, consumer bankruptcy, bankruptcy and commercial litigation and property disputes. He earned his B.A. degree in Religion and Sociology from Bates College and his J.D. from Franklin Pierce Law Center where he was a member of the Moot Court Board. He is licensed to practice before the State courts of New Hampshire, the U.S. District Court for the District of New Hampshire, the U.S. Bankruptcy Court for the District of New Hampshire, as well as the Supreme Court of the United States. Mr. Somma has significant experience in consumer and commercial collections and has appeared in every district and superior court in the State of New Hampshire as well as the New Hampshire Supreme Court. Mr. Somma is a member of the American Bankruptcy Institute, the National Association of Consumer Bankruptcy Attorneys, the Charles C. Doe Inns of Court, New Hampshire Bar Association and New Hampshire Bar Association's Ethics Committee.
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