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Best Bankruptcy Attorneys in Cranston

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Attorney Mark Buckley logo
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Attorney Mark Buckley

1536 Westminster Street, Providence, RI 02909
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  • Debt Settlement

Business Description

Attorney Mark Buckley offers nearly three decades of experience in bankruptcy law. Mark Buckley is the only bankruptcy attorney in the state who holds a certification as a financial planner. He uses his expertise in the areas of bankruptcy law and financial planning to help clients deal with debt and rebuild their credit scores. He has handled thousands of cases near Cranston, ranging from simple chapter 7 bankruptcy filings to complex negotiations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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DiOrio Law Office logo
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DiOrio Law Office

144 Westminster Street, Providence, RI 02903
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  • Debt Settlement

Business Description

DiOrio Law Office has been handling complex litigations in Cranston for over 15 years, including bankruptcy. The company represents secured and unsecured creditors, financial institutions, trade creditors, non-bank lenders, and landlords who are seeking protection of their rights against debt claims. Bankruptcy lawyers at the firm also defend creditors and other parties against fraudulent and preferential transfers. Other practice areas include business litigation, banking and commercial lending, and employment law. Founding attorney Joe DiOrio has been recognized as Lawyer of the Year for the past five consecutive years.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Law Office of Douglas H. Smith logo
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Law Office of Douglas H. Smith

140 Reservoir Avenue, Providence, RI 02907
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  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Douglas H. Smith has been serving businesses and individuals near Cranston for over 25 years. Douglas H. Smith is a bankruptcy lawyer, with a focus on litigations, foreclosure, and loan modifications. Smith boasts a track record of successful outcomes in chapters 11 and 13 proceedings. He has helped creditors in protesting debtors' petitions to discharge their loans and has also represented debtors to minimize their loans' interest rates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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McCormick Law Offices logo
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McCormick Law Offices

1319 Cranston Street, Cranston, RI 02920
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

McCormick Law Offices is a legal services provider in Cranston that handles challenging litigations, including bankruptcy and debt relief. The company assists debtors, particularly individuals and families, in pursuing the right bankruptcy solution and financial options. The firm focuses on consumer bankruptcy, particularly chapter 7 and chapter 13 filings. Bankruptcy lawyers at the firm also defend debtors against abusive debt collection practices, credit report errors, breach of contract, and repossession disputes. Other practice areas include business law, residential real estate law, landlord-tenant disputes, car accident claims, and personal injury. The company also handles cases in family and divorce law, as well as wills and probate. Founding lawyer Edward McCormick III has been practicing law for over 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.4 / 5 (20)
Avvo
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Detail
––
Pitts & Burns Attorneys at Law logo
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Pitts & Burns Attorneys at Law

635 Killingly St, Johnston, RI 02919, Johnston, RI 2919
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Pitts & Burns Attorneys at Law offers personalized legal counsel and representation to clients of Cranston seeking to file for bankruptcy. The firm aims to assist individuals who are overwhelmed with financial struggles, whether by eliminating debts through chapter 7 bankruptcy or developing an effective and achievable repayment plan through chapter 13 bankruptcy. It also helps to prevent foreclosure, allowing clients to retain their homes. Pitts & Burns also aids in relieving clients from creditor harassment and from wage garnishments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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