Chapter 7 Bankruptcy
If you are in financial distress, you are not alone. Chapter 7 Bankruptcy filings all over the country are at or near record levels. Visit our Chapter 7 Bankruptcy Page for more information. Or, call our bankruptcy lawyers for assistance at 401 732-4420.
You may also submit your information to us for a free review using our secure, online MyCaseInfo questionnaire at no charge by starting below:
The Bankruptcy Reform Act of 2005 resulted in significant changes in bankruptcy law. One of the new requirements is that people seeking to file for a Chapter 7 Bankruptcy must first take a credit counseling course provided by an approved agency before and after filing. Most of my clients have found the courses very useful and the cost is negligible.
Since it is not possible to file for Chapter 7 Bankruptcy without taking these courses, if you are experiencing financial distress, I encourage you to take the pre-filing course right away. The cost of the course is usually around $30.00 and may help you avoid filing bankruptcy entirely. The course may be completed online and once completed, I can import your financial information into my own software which will give me the complete picture of your finances that I will need to advise you as to whether or not you should proceed to bankruptcy or try an alternative approach to getting your finances under control.
Start Fresh Today
I use Start Fresh Today Bankruptcy Solutions which provides certificates that are approved in almost all bankruptcy courts, including the one in Rhode Island. Please feel free to contact me for more information or go directly to Start Fresh Today Bankruptcy Solutions to begin the process of getting your finances under control. If you are prompted for an “Attorney Code,” my code is cd10136.
In Rhode Island, the Bankruptcy Court provides a Loss Mitigation Program the purpose of which is to help you keep your house. The process provides an opportunity for you to try to obtain a Loan Modification with your mortgage company under the supervision of the bankruptcy court, which levels the playing field a bit.
Visit our Loan Modification page to learn more.