Other Types of Bankruptcy

More Bankruptcy Legal Services

Support for All Bankruptcy Legal Solutions

Bankruptcy is never a one-size-fits-all solution. At the Law Office of Janet J. Goldman, we've worked with clients in countless situations, and we always use our expertise to find the best solution moving forward. While Chapter 7 and Chapter 13 bankruptcies are the most common, there are other legal options we can provide.


You can trust us because we've been doing this since 1991. With over 35 years of combined experience, our legal team is poised to help you. We are not the biggest office in town, but we consider that to be an asset. We provide personalized support for all our clients. When you call our office, we always answer with personal care.


Facing bankruptcy is not easy, but we'll break down the process so you know what to expect. When you need us, we'll be there with same-day appointments, after-hour appointments, Saturday meetings, and home visits.


You may be worried about costs, but we'll do what we can to help. Our costs are affordable, and we'll always explain our fees. Our personal injury cases are handled on a no recovery, no fee basis, and we opt for other straightforward payments for our bankruptcy clients. You will never be caught by surprise by our billing.


Bankruptcy is not right for everyone. Call now for a free consultation, and we'll assess your situation and offer our best advice to help you move forward.

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Debt Settlement Alternatives to Bankruptcy

No two financial situations are quite the same. That’s why at the Law Office of Janet J. Goldman, we help clients explore various options to legally control their debt. Then, we help decide on the one that fits their specific needs.


Declaring bankruptcy might not be the best solution for you. Instead, we can help you find other ways to settle your debt in order to fend off aggressive creditors and help get your financial house back in order. One option is debt settlement.


Debt settlement is a way to create a sensible repayment plan that will satisfy creditors while allowing you to keep your property and put an end to oppressive calls and threats.


Please note that resolving debt problems is a highly individualized process, and it requires an in-depth understanding of Rhode Island’s current debt settlement laws. This is why it is always critical to have a legal team. Having legal representation tells your creditors in no uncertain terms that this matter will be settled fairly and judiciously.

Protection From Creditors, Wage Garnishment, and Banks

Once your creditor has placed his account in the debt collection category, there are certain laws that dictate how a collector can proceed. The Fair Debt Collection Practices Act is designed to protect debtors from abusive and excessive phone calls and prohibits creditors from contacting your family, friends, or business associates regarding your credit problems. At the Law Office of Janet J Goldman, we are very familiar with the intricacies of these laws and can help make sure that you receive the protection these statutes provide.


Harassment from creditors is not the only difficult part of being in debt. You may also be worried about threats of wage garnishment or bank attachment. We have the know-how to help mitigate these risks as well.


In many instances, creditors opt for wage garnishment when debts go unpaid. To do this, they will take the matter to court and seek legal action. Even though there are limitations on the actual amount they can garnish, it is important to head off this action and avoid a default judgment quickly.


The garnishment laws are extremely complex. Thanks to our years of experience, we can often prove that a creditor’s claim has been improperly filed or that the statute of limitations has run out. However, you as the debtor must be the one to file an immediate response in order to fend off these problems effectively.


We have been able to help many clients avoid wage garnishments and bank attachments completely using legal debt settlement methods.

If you have ever thought about an attorney for bankruptcy, Janet Goldman should be the first choice. She and her staff are very knowledgeable and above all else caring. Janet and her staff have taken the time to go above and beyond for myself and my family on multiple occasions, and I know wholeheartedly that if I ever need her again, she would be there without blinking an eye. I can highly recommend her service.

- Sean. via Google

Understanding Rhode Island Military Bankruptcy

If you are an active or retired member of the military, we appreciate all the sacrifices you have made for our country. If you are presently serving in the military and you are struggling financially, trust your bankruptcy matter to the Law Office of Janet J. Goldman. Since 1991, we have been assisting members of the Army, Navy, Air Force, Marines, and Coast Guard. We have a full understanding of the unique issues facing active duty military personnel and veterans.


Bankruptcy laws can help all citizens of the United States resolve their debts and regain control of their finances, but military personnel are entitled to some additional protections. To learn more, continue reading.


Collection Activities

While you are on active duty, the Soldiers and Relief Act protects you from collection activities by creditors. The act prevents creditors from pursuing any type of litigation while you are deployed and unable to respond.


Relocation Costs

If you have relocated from another state, you may have incurred many unexpected expenses. Many of the debts are dischargeable. You must have established residency in Rhode Island for at least 180 days in order to qualify.


Military Pension

Your military pension is fully protected when you elect to file for bankruptcy relief either under Chapter 7 or Chapter 13. It does not matter if you are a veteran or an active military member. Your pension is protected.


Income Testing

Active duty military personnel are not subjected to income or means testing in order to qualify for either Chapter 13 or Chapter 7 bankruptcy.


Military Star Credit Card Debt

Unsecured debt, including debt accrued on Military Star Credit Cards, is dischargeable upon completion of Chapter 7 bankruptcy or Chapter 13 bankruptcy proceedings.

Small Business Support with Bankruptcy Protection

Small business owners often face financial hardship. If you are the sole proprietor of your business or you operate under your own name as a DBA, then you may be able to receive relief from debt via Chapter 13 bankruptcy or Chapter 7 bankruptcy while continuing to operate your business. Corporations, LLCs, and similar entities cannot file for Chapter 13, but there are still many options available for these business owners.


There is no such thing as a simple bankruptcy, and the complexity only increases when business owners and their businesses are involved. We are committed to learning the specific details of your situation and helping you craft an optimal strategy for navigating your individual and business financial difficulties.


With respect to your individual or personal debt, once you have engaged an attorney, all harassing phone calls and mailings from your creditors must stop immediately in adherence to The Fair Debt Collection Practices law. This applies to a variety of debt problems including mortgage foreclosures, wage garnishments, credit card debt, and more. The Fair Debt Collection Practices law does not, however, protect your business from any collection activities.


The list of potential complications small business owners face during bankruptcy is long, and experience, attention to detail, and sound strategic thinking skills are required to successfully navigate the bankruptcy process.

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