File For Bankruptcy in Rhode Island

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
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How We Help in Rhode Island

Leave Debt Behind

UpRight Law is here to help Rhode Island residents get a fresh start. 

Being deep in debt can impact every area of your life. If you’re afraid to answer the telephone and you find yourself sitting up at night crunching numbers and coming to the same discouraging conclusions again and again, it’s time to take action. Fortunately, that’s easier than you may imagine.

If you’re ready to find out whether personal bankruptcy could give you the relief you need, just request a free case evaluation today. We’ll set you up to talk with an experienced bankruptcy attorney online, from your own home or office.

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Eliminate Credit Card Debt in Rhode Island

Getting into trouble with credit card debt is easier than most Americans would like to imagine. Whether an unexpected setback such as job loss forces you to rely on credit cards for basic living expenses or you simply lost track and are having trouble getting your finances back under control, you’re not alone. In a recent survey conducted by Harris Poll for NerdWallet, 23% of respondents said they were sometimes surprised by their credit card balances, and 13% said they sometimes forgot to pay their credit card bills. Of course, once those small oversights occur, interest and fees begin to mount. If credit card debt is impacting your family’s financial security, find out whether Chapter 7 bankruptcy might be the solution you’re looking for. Many Rhode Island residents can wipe out credit card debt in Chapter 7.

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Stop Creditor Harassment in Rhode Island

Both the federal Fair Debt Collection Practices Act (FDCPA) and the similar Rhode Island state statute protect consumers from abuse and deception by debt collectors. If third party debt collectors are harassing you, using abusive language, disclosing information about your debt to third parties, threatening you with jail time or otherwise violating state or federal law, you have options. If you’re ready to stand up and assert your rights, schedule a free consultation right now to learn how you can put a stop to creditor harassment.

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Chapter 7 Bankruptcy Law

More than 2,000 personal Chapter 7 bankruptcy cases were filed in Rhode Island during the fiscal year ending in September, 2015. Chapter 7 may offer relief from unsecured debts such as medical bills and credit card debt. In most cases, an automatic stay is entered as soon as the bankruptcy case is filed, putting an immediate stop to most collection actions. Often, a Chapter 7 bankruptcy case can be completed in as little as five months, and the bankruptcy discharge eliminates most unsecured debts.

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Chapter 13 Bankruptcy Law in Rhode Island

Chapter 13 bankruptcy offers a solution for many Rhode Island residents who are in financial trouble but want to keep non-exempt property or property that serves as security for a debt. In a Chapter 13 case, it is possible to keep most property while making regular monthly payments for three to five years. If your debt is out of control but you have equity in your home, vehicle or other property that isn’t protected by exemptions, find out whether Chapter 13 bankruptcy might take the pressure off. Chapter 13 may even offer a solution to those who don’t qualify for Chapter 7 bankruptcy.

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Stop Foreclosure in Rhode Island

In many cases, either Chapter of bankruptcy can stop foreclosure in Rhode Island. For most filers, an automatic stay will take effect upon filing, temporarily freezing any legal action. Then, many people are able to catch up past due mortgage payments over three to five years in a Chapter 13 repayment plan. If keeping the house through a repayment plan isn’t the right solution for you, Chapter 7 bankruptcy may protect you from having to pay a deficiency judgment after foreclosure. If you’re facing foreclosure, don’t stay in the dark any longer. Schedule a free consultation to find out whether filing bankruptcy could be the solution.

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Get Out From Under Medical Bills in Rhode Island

If you’re one of the 43 million Americans carrying past-due medical debt, it may be time to reassess. Medical bills can be overwhelming—so overwhelming that medical debt plays a role in nearly half of personal bankruptcy filings in the United States. Fortunately, most medical debt is unsecured, which means that most medical debt can be discharged in Chapter 7 bankruptcy. For those who have too much income or otherwise don’t qualify for Chapter 7, a Chapter 13 bankruptcy repayment plan can take the pressure off, and may even result in some remaining debt being discharged at the end of the repayment period. If you’re struggling with medical debt, schedule a free consultation and learn more about your options today.

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Rhode Island Wage Garnishment Law

In Rhode Island, a wage earner can lose up to 25% of disposable income to wage garnishment, so long as that leaves at least 30 times the minimum wage. For many people, especially those living from paycheck to paycheck, that kind of decrease in income can break the whole system, pushing other bills into default and making it more difficult than ever to get ahead. In most cases, either a Chapter 7 or Chapter 13 bankruptcy filing results in an automatic stay, which puts an immediate stop to most wage garnishments. If you’re facing wage garnishment, don’t delay. Find out whether bankruptcy can help you reclaim your wages before your next paycheck.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Rhode Island

The bankruptcy lawyers at UpRight Law understand how stressful financial problems can be. That’s why we make it easy and low-stress for you to get the information you need to make good decisions for your family’s future. Whether you’re in Providence, Warwick, Cranston, Pawtucket, Westerly, or somewhere else in Rhode Island, our attorneys want to help you get a fresh start so that you can build a stronger financial future. Schedule a free consultation today, and we’ll connect you with an experienced bankruptcy attorney online.


Robert Jacquard

Partner

Providence, RI
18 Years of Experience

I am a bankruptcy attorney licensed to practice in Rhode Island and Massachusetts. I serve individuals and families throughout RI and southern MA in personal bankruptcy and debt r […]

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