Rhode Island Bankruptcy Attorney

Eliminate Debt, Stop Foreclosure and Get a Fresh Financial Start

Facing financial difficulties is something that can happen to anyone. No matter how careful we are or what we do to try to prevent being caught in a situation where we are facing more bills than we can pay, the unexpected may happen. Illness, divorce and unexpected job loss are all reasons that a debtor may face overwhelming debt. We also may make mistakes. Whatever your financial situation, if you are considering bankruptcy as a solution, Rhode Island bankruptcy attorney Gale Balser may be able to help.

Attorney Balser oversees a team of professionals who have helped thousands of clients in all aspects of bankruptcy law, credit repair, debt settlement, loan modification and similar fields. We are not only highly experienced in these matters but are fully committed to representing our clients' needs as we strive to protect their interests and assist them in making the right choices about filing for bankruptcy. Our law firm represents debtors throughout Rhode Island in Chapter 7, Chapter 11 and Chapter 13 bankruptcy cases, also handling matters involving creditor harassment.

Chapter 7 or Chapter 13?

Chapter 7 and Chapter 13 are the two most common forms of bankruptcy. A Chapter 7 case involves the liquidation of the debtor's property to pay off debt. Chapter 13 bankruptcy involves a repayment plan wherein the debtor pays part or all of his or her debt. Determining which type of bankruptcy is right for your unique financial situation is an important part of the services our Rhode Island bankruptcy firm offers. However, not all debtors will qualify for a Chapter 7 bankruptcy because they may make too much income to pass the means test. Some debtors will also have property they wish to protect, and in these situations they may wish to seek the protection that Chapter 13 bankruptcy offers their real property and other valuable assets. In reviewing your particular situation and discussing your short and long term financial goals with you, an attorney at our offices can help determine which type of bankruptcy is right for you.

Rhode Island Bankruptcy - Making the Right Choice

Deciding whether to file for bankruptcy may be a difficult choice to make. There are many factors to take into account, including what effects bankruptcy will have on your existing credit card debt, personal loans, taxes, your credit, child or spousal support, and more. You will need to determine how bankruptcy will affect you now and in the future. A Rhode Island bankruptcy lawyer at our law offices can meet with you to discuss the bankruptcy process, how bankruptcy will affect your debt and property, the potential benefits of bankruptcy, and also any alternatives you may have in order to avoid bankruptcy.

Our goal is to assist you making the right choices about your financial situation and to then see you through the process of filing for bankruptcy in order to get the fresh financial start you need. Depending on the case, we may be able to assist you in stopping the foreclosure of your home, eliminating debt, stopping creditor harassment and in all resolving whatever financial situation you are dealing with in order to face the brighter future you are hoping for.

For a free bankruptcy evaluation, contact a Rhode Island bankruptcy attorney at the Law Office of Gail Balser today!