Warwick, RI · (401) 216-1830
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The Legal Reality of Bankruptcy
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Areas of Practice
Frequently Asked Questions About Bankruptcy
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If I file for Chapter 7 or Chapter 13, will I have to relinquish all of my property?
In Rhode Island, you are allowed to keep all exempted property with a few specific limits. You may also keep household goods such as appliances, clothing, dishware, furniture, books, and wedding rings. If you are buying a car using monthly payments, you may keep the vehicle as long as you maintain your monthly payments.
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What is the means test?
The Chapter 7 bankruptcy means test is a way of determining whether you can afford to pay back at least a part of your unsecured debt. If your income is below the median income in your area, you automatically pass the means test. If your income is above the median, you’ll be required to apply the means test formula.
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What happens if I don’t pass the means test?
You may still qualify for bankruptcy protection under Chapter 13, which requires you to pay off some portion of your full debt using a prescribed five-year payment plan.
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Can a student loan be discharged under Chapter 7 or Chapter 13?
No. Student loan debt is not discharged under Chapter 7 or Chapter 13 bankruptcy in most cases.
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Am I able to get rid of a second mortgage with Chapter 13 bankruptcy?
You might be eligible. Contact us to learn more.
"Janet was an amazing attorney to deal with. I was extremely upset about my situation and she showed me an unlimited amount of concern and compassion. She explained each step of the process to me and made this extremely easy. I would recommend her to anyone."
Alicia M.
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"Janet is knowledgeable and incredibly helpful. She will work with you and for you to get he best result possible. Janet came highly recommended from another - competing - attorney. She is well regarded in her field and now, by clients."
K G
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"I met Janet,10 Years Ago.Janet was highly recommended by another Attorney.Janet Janet took care of me and my cass was Successful. I went back to Janet recently for another Legal Issue,Which Janet Successfully handled and would recommend Janet to anyone."
Janice M.
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"I went through such a dark time in my life recently and let me say Janet & Rebecca were my light at the end of it all. Not only are they personable, compassionate, they are nonjudgmental which was very important to me. They were detailed and dedicated to me, they made you feel like you were the only case that mattered to them. I am so beyond thankful and grateful for them. I would give them 10 stars if I could!"
Chelsea S.
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"We went to Janet with some financial issues, and she handled our case professionally and did so well that everything went through without a hitch. She is very detail oriented and makes sure her cases are well prepared in advance. I would definitely recommend her firm."
Katy G.
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