For many of our bankruptcy clients Chapter 7 bankruptcy is the fastest and simplest way to discharge debts and get a fresh financial start. From start to finish, filing Chapter 7 bankruptcy usually takes about six months. Upon filing bankruptcy, an automatic stay enters. The automatic stay is the law that stops all collection efforts such as harassment from debt collectors, garnishment, repossession, litigation and foreclosures. At the end of filing Chapter 7 bankruptcy, your unsecured debts, such as credit card bills and medical bills that are not secured by property, will be discharged.
Find out if you qualify for Chapter 7 bankruptcy. Call our office to schedule a free bankruptcy case evaluation.
The biggest change for individuals brought by the 2005 amendments to the Bankruptcy Code is that now individual debtors with mostly consumer debt must qualify by passing a financial means test to file a Chapter 7 bankruptcy. If you do not qualify to file bankruptcy under Chapter 7, you may still file bankruptcy under Chapter 13 of the Bankruptcy Code.
Learn your options about filing for bankruptcy in Rhode Island. Get a free bankruptcy case evaluation by contacting our office.
A debtor whose household income falls below the median income for Rhode Island automatically qualifies to file a Chapter 7 bankruptcy. Median income is reported by the United States Census Bureau. Find out where if you qualify to file for Chapter 7 bankruptcy.
Free Chapter 7 Bankruptcy Evaluation
To discuss Chapter 7 bankruptcy with an experienced Rhode Island bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles Chapter 13 bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.
LAW OFFICE of CHRISTOPHER E. HEBERG
RI Chapter 7 Bankruptcy Attorneys
1215 Reservoir Avenue
Cranston, Rhode Island 02920
