631 Jefferson Blvd

Warwick, RI 02886

401 384-0355

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Warwick Bankruptcy Lawyer

Chapter 7 Bankruptcy

If you are in financial distress, you are not alone.  We have been practicing in the Rhode Island Bankruptcy Court for over 30 years.  Although our office is in Warwick, we represent people throughout the entire state.  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:

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While the government is providing stimulus and relief options for people who are employed and for small businesses, many people are falling through the cracks. For those people, Chapter 7 and Chapter 13 bankruptcy relief provide some options. Chapter 7 can discharge your unsecured debts entirely, leaving you with your property and all of your retirement funds and giving you a fresh start.

Neither the stimulus money nor the $600 per week extra unemployment benefit you may have received count towards the Means Test or count as part of your income in determining your qualification for a Chapter 7 versus a Chapter 13.

Call or text us at 401 384-0355

Why You Should Hire a Bankruptcy Attorney

It is certainly possible for you to file a Chapter 7 Bankruptcy without hiring an experienced bankruptcy lawyer to represent you.  However, filing a Chapter 7 bankruptcy petition is a very precise and detailed process.  If you do not hire a bankruptcy attorney and file your petition properly, there is a substantial risk that your Chapter 7 petition may be dismissed or that some of your debts might be ruled non-dischargeable.  You might not be able to retain some of your property that would otherwise have been exempted.   Don’t take that risk!  

The prospect of filing for bankruptcy can be overwhelming and it’s easy to ignore the creditor calls and letters.  But do not wait to discuss your situation with our bankruptcy attorneys.  There is no charge for the review and there is a substantial risk to delaying particularly if you have been served with a summons.  Once you have been served if you don’t properly respond or file a bankruptcy petition, you may be defaulted.  Once you are defaulted your wages may be garnished and/or your property attached.  These problems may be dealt with in Bankruptcy Court but they add a layer of proceedings and cost to you that you can avoid by acting promptly.

Even if you haven’t been sued, our bankruptcy attorneys may be able to help you resolve your debts without having to file a Chapter 7 on your behalf, but if your situation doesn’t present a viable alternative to bankruptcy, we will process your  bankruptcy in a way that minimizes your anxiety and maximizes your exemptions.   Contact us and speak with an experienced bankruptcy attorney now.   We can guide you through the process and give you the support and direction you need to put yourself back on the path to financial security.   

Call or text us at 401 384-0355

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Credit Counselling Course

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.

Click Here to register for your required bankruptcy courses.

Loan Modifications

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.