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Filing for Chapter 7 Bankruptcy in Rhode Island

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A Chapter 7 bankruptcy offers you a way to rid yourself of debt and start over. In most of these cases, our clients have a large amount of debt in unsecured bills along with very few assets. Filing for chapter 7 bankruptcy can often completely eliminate these debts and allow you to move on with your life. However, it is important to fully understand how the process works and how it pertains to your personal finances. The Chapter 7 bankruptcy attorney at the Law Offices of Stephen P. Levesque has over 20 years of experience helping people like you get back on their feet.

Get in touch with our office to schedule a consultation. (401) 216-4188. See if Chapter 7 Bankruptcy is right for you!

Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows for the liquidation of most forms of debt, such as:

  • Medical bills
  • Credit card debt
  • Repossessions
  • Income taxes more than 3 years old
  • Personal and payday loans
  • Consumer debt

However, there are some limitations on which debts can be discharged, including:

  • Child support payments
  • Alimony payments
  • Student loans
  • Fraudulent debts
  • Certain types of taxes

Reaffirmation Agreement

If you want to keep certain secured debts like your house, you can sign a voluntary reaffirmation agreement. This means that you will still owe that debt and are responsible for continuing to make payments on it. If there are debts you want to reaffirm, it needs to be done before filing for debt discharge.

Is it Possible to Be Denied?

While it is not common to be denied when filing for a Chapter 7 bankruptcy in Rhode Island, it could happen if you:

  • Cannot explain a significant loss of assets
  • Have not kept an adequate financial record
  • Fail to follow an order of the court
  • Commit a crime, such as perjury
  • Fraudulently transfer, conceal, or destroy property to keep it from being liquidated

Speak to a Chapter 7 Bankruptcy lawyer in Rhode Island today if you have questions about how this option can apply to you.

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What Your Attorney Does, or Doesn't Do, Can Impact the Rest of Your Life

At our law firm, we promise you knowledge, compassion, and experience. Since 1997, his years of courtroom experience means you will know all your options and you will have a lawyer with the experience to represent you no matter how complicated your case may be. Stephen will fight for you and fight for your best interests. This results in exceptional representation. Stephen is that lawyer you know you can count on to stand by you. Whether at court, during negotiations, or through every legal document, motion, or pleading he prepares, Stephen is aggressively advocating for you. Stephen uses his insight, knowledge, and experience to provide valuable legal information to many people with his radio show on News Talk 630 WPRO. Whether it’s a large or small legal matter, he offers helpful advice that can point listeners in the right direction.

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