Announcing our new office, which is hardly a stone-throw away from our old location. Our beautiful, new handicap-accessible office is located at 469 Centerville Road, Suite 203, Warwick, RI 02886. We’re conveniently located right off I-95 exit 10. And we now share a large parking lot with the AAA Warwick.
Our phone number has not changed: 401-738-3030. Call today to schedule an appointment — or refer a friend — for the same down-to-earth and affordable service people all over Rhode Island have come to expect from the law office of David B. Hathaway, Attorney-at-Law.
We now share a parking lot with AAA Warwick (right off I-95 exit 10)
Ever had your day interrupted by a call from a debt collector? Debt collectors have a reputation of being rude and even nasty at times. They might say it’s their job to be annoying. After all, they’re just trying to get you to pay your fair share, right?
Debt collectors harassing you? Contact our law office. You may find they owe you money!
Well, not so fast. This is America, and even if you owe someone money you still have rights. According to the Fair Debt Collection Practices Act, debt collectors aren’t allowed to harass you by:
- Making threats
- Calling repeatedly just to annoy you
- Swearing / using profanity
If you’re being harassed by debt collectors, contact my office for a free initial consult. Who knows, you may even find that collectors owe you money after we’re done talking with them.
About a month after you file a petition for personal bankruptcy in Rhode Island, you must go to the Federal Center in downtown Providence and meet with a bankruptcy trustee. The bankruptcy trustee is not a judge; rather, she or he is appointed by the court to try to get back money from you for banks, credit card companies, and others you owe money to.
At this meeting (called a 341 meeting of creditors), the trustee may ask you questions, trying to see if you lied, left out important information, or otherwise incorrectly filled out your bankruptcy petition and could really pay back more money. Sometimes, banks and other creditors will also come to this meeting and ask their own questions. It is important that you answer each question carefully and honestly to avoid being charged with perjury, which is a federal crime.
Fortunately, the trustees tend to ask similar questions each time. So it’s possible to prepare for this meeting with help from an experienced bankruptcy attorney. And even if the trustee asks you a “curve ball” question, you’ll then have an experienced attorney sitting by your side to coach you through without any problems, as is usually the case.
According to an independent, national database, Attorney Hathaway filed more Chapter 7 bankruptcy petitions than any other Rhode Island attorney from July through September 2012. We want to thank our clients for making this possible, particularly since satisfied clients are one of our best sources of new business. If you or someone you know is considering filing bankruptcy, please contact us for more information free of charge.
It’s been estimated that over 60% of bankruptcies are filed due to hospital visits, cancer treatments and other health expenditures. Fortunately, by filing for bankruptcy in Rhode Island, you can usually eliminate debt owed to:
- hospitals & medical clinics
- laboratories & medical imaging/radiography
- doctors, physician assistants & nurses
- dentists & orthodontists
- physical therapists & chiropractors
So yes, typically any unsecured medical debt can be eliminated in a RI Chapter 7 Bankruptcy filing, regardless of whether it’s $10 or $1 million you owe. You’ll want to consult with a RI attorney experienced with bankruptcy to guide you through the process, especially if you’ll need to keep receiving health care services following your bankruptcy filing for a chronic medical condition.
Recently I met a young woman – a recent immigrant to this country – who had met with another attorney before meeting with me. Her case was relatively simple, so I was surprised to learn her first attorney had proposed a fee of $5,000. When I told her my flat fee, she was absolutely shocked.
I’m unaware of any Rhode Island attorney who charges less than me to file a personal bankruptcy. The typical going attorney rate is probably $1,200 to $1,500 (not counting the $306 filing fee going to the court). I personally think that an attorney’s fee of $1,200 is reasonable and fair – given the amount of work that is involved in handling a Chapter 7 bankruptcy filing correctly. And for particularly complex cases, fees of $1,500 or higher may be appropriate. (Consumers beware: the RI Bankruptcy Court actually restricts attorneys from charging more than $1,500 for a Chapter 7 filing without prior court approval.) Also, some attorneys (including myself) offer discounts to seniors and others with extremely simple cases.
Posted in chapter 13, chapter 7, Rhode Island, RI Bankruptcy Court
Tagged AARP discount, bankruptcy ri, Chapter 7 bankruptcy, cheap bankruptcy, cost, don't get ripped off, free bankruptcy, inexpensive bankruptcy, price of bankruptcy, senior discounts, simple bankruptcy case filing
Oftentimes not. In Rhode Island you can include your husband (or wife) in a bankruptcy filing at no extra charge from the court. The court filing fee is the same as if you were filing bankruptcy alone. And as for attorney fees, at my office we typically don’t charge additional fees for adding a spouse to a bankruptcy.
Even so, there are certain situations when it makes more sense for a couple to file bankruptcy separately. You’ll want to consult with an attorney experienced with bankruptcy to determine what would work best for both you and your partner.
If you owe federal or state income taxes from past years, you may be able to get rid of them by filing a RI bankruptcy. Generally speaking, you must wait three (3) years from the date the IRS / RI Division of Taxation processed your income tax return. (Note: this will likely be after the date you filed your tax return.) A Rhode Island attorney experienced with bankruptcy will be able to help you figure out when exactly you’re eligible to eliminate your past-due income taxes in a bankruptcy.
Rhode Island’s bankruptcy laws are generous as to what belongings you’re allowed to keep (exempt) after filing bankruptcy. In fact, it’s rare for anyone to lose a house, car or anything else in a RI bankruptcy filing (assuming they’ve hired an experienced RI bankruptcy attorney).
Generally speaking, you can file bankruptcy in Rhode Island if you’ve live here for the last 6 months. So for example if you’ve lived in Warwick, RI for the last 180 days, you can file in the District of Rhode Island.
There is a catch, however, if you’ve recently moved here from out-of-state. Even if you’ve lived here for over 180 days, you may still be under your old state’s laws in terms of what things you’re allowed to keep after the bankruptcy.
Bottom line: the longer you’ve lived here, the better. You’ll want to consult with a Rhode Island attorney experienced with bankruptcy to ensure you’re eligible to keep your house, car, and other belongings through a RI bankruptcy.
Posted in chapter 13, chapter 7, Rhode Island, RI Bankruptcy Court, RI Bankruptcy Exemptions
Tagged chapter 13, chapter 7, Providence bankruptcy lawyer, Rhode Island, RI Bankruptcy Court, RI bankruptcy exemptions, RI Bankruptcy Information, Warwick bankruptcy attorney