Chapter 7 Bankruptcy

Rhode Island Bankruptcy

Attorneys at Blais Cunningham & Crowe Chester, LLP, provide individuals throughout Rhode Island with representation in Chapter 7 bankruptcy (sometimes called "clean slate" or "liquidation" bankruptcy). If you are unable to pay your bills and would like to speak with a lawyer about filing bankruptcy, please contact our Pawtucket office and arrange a consultation.

Relief provided under Chapter 7 Bankruptcy:

• Debt collection stops. A bankruptcy lawyer can contact all creditors and notify them that they must immediately stop direct contact with you. Under the law, they are not allowed to call your place of employment or your home – all calls and letters will be sent to your attorney. When you have filed for bankruptcy all collection efforts must stop, including lawsuits, garnishments, repossession actions, foreclosure of mortgages, and demand letters.
• Some types of unsecured debt may be completely discharged through Chapter 7 bankruptcy, including credit card debt, medical bills, and cash advances.
• For secured debts, such as car loans and mortgages, the debtor will usually have to work out a payment plan or liquidate (sell) the property.
• You will be able to keep most personal property, a vehicle, tools you use to make a living, and some other exempt items.
• Debts that cannot be discharged include some student loans, alimony, child support, some taxes, and some judgments.
• In some cases, a person's credit rating actually improves after filing a Chapter 7 bankruptcy.

Depending on your income and the nature of your debt, Chapter 7 may be an option for you. If you do file for Chapter 7 bankruptcy, it is important that your filing is carefully prepared, as it cannot be challenged later. Please call 401-723-1122 or e-mail our Pawtucket, Rhode Island office to arrange a conference with a well-qualified Chapter 7 bankruptcy attorney.