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Bankruptcy Attorneys in West Warwick, Rhode Island

Mounting bills can put stress on every aspect of your life and the lives of your family members. When there isn’t enough income coming in to pay off those debts, late bill payments are inevitable. If you find yourself facing insurmountable debt and bankruptcy appears to be your only option, contact an experienced bankruptcy attorney to discuss your options.

At the Law Office of Devane, Fogarty & Ribezzo, we have the bankruptcy experience you need and the help you can afford, so that you can get a fresh start and get your family back on its feet financially. Our skilled attorneys can get results for you too.

Bankruptcy – An Overview

Bankruptcy is a legal vehicle that provides relief to individuals and businesses in serious financial trouble and protects their creditors to the extent possible. Generally, the bankruptcy process assesses the debtor’s assets and liabilities and provides a structure within which the debtor is allowed to keep some, and in most cases, all property and ordered to satisfy as many eligible debts as possible, according to an order of priority established by law. Remaining debts are discharged, except those of certain types, like domestic support orders, debt obtained by fraud and most tax debt and student loans. The traditional stigma of bankruptcy has faded and been replaced by the view that it is a fresh start after a time of trouble. Most bankruptcy debtors have experienced unexpected and extreme financial shocks, such as those caused by sudden events such as job loss, business failure, death, divorce or illness. In such cases, filing bankruptcy may be the right answer. If you are facing serious financial challenges, contact the Law Office of Devane, Fogarty & Ribezzo in West Warwick, Rhode Island, to schedule a consultation with an experienced bankruptcy attorney who can help you assess your legal options.

Consumer Bankruptcy

When an individual falls desperately behind in his or her debt payments, one option may be to declare bankruptcy. Bankruptcy is a legal proceeding in a federal bankruptcy court that relieves the debtor of some or all of his or her debts. While bankruptcy may not be the best option for everyone, in the right situations, it can provide people with a fresh start. A lawyer experienced in bankruptcy law can advise you as to whether bankruptcy may be the right move for you and can advise you of the pros and cons of other options that you may have.

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Benefits of Bankruptcy

We always provide clients with the opportunity to get together with us again after the Bankruptcy Discharge Order is entered to look forward from a fresh start and to help steer you toward If you have yet to file for bankruptcy in Rhode Island but are seriously considering such it, you may be asking yourself — “Is there life after bankruptcy? Is there life after debt?” The answer to both questions is yes.

At the Law Office of Devane, Fogarty & Ribezzo, we want your bankruptcy efforts to succeed. We want to see your family restored to the sound economic footing you once had. Don’t be afraid to ask for help. Contact us or email us to schedule a free consultation.

Mortgage payments, credit card debts, unforeseen medical bills: these concerns don’t have to be forever. You can deal with them now. That is why federal bankruptcy protections are on the books — to help those who, often through no fault of their own, have fallen on hard times.

On the other side of your Chapter 7 or Chapter 13 bankruptcy filing, you can look forward to:

  • An end to stress over financial problems

  • Relief of debt pressures

  • Credit repair

  • Eligibility for mortgage and motor vehicle loans

  • An end to collection abuse

  • An end to the fear of mortgage foreclosure

  • A stop to repossession of personal items

  • Prevention of wage garnishment

  • Lifestyle and budget adjustments

  • A clearer income tax picture

  • Preservation of driving privileges

  • A fresh start toward a brighter future

Our trusted Rhode Island bankruptcy attorneys have made a positive difference in many lives. We urge you toward action despite the emergence of many destructive, deceptive bankruptcy myths. We may speak for you to your mortgage lender in pursuit of a mortgage loan modification through the Court’s Loss Mitigation program.

You will come away from your free initial consultation with a definite sense of why we are different from other bankruptcy firms. We are dedicated to your financial peace of mind. Contact us today to get started.