Contact Us Today 401-615-3880


Eliminating Debt in Rhode Island with the Help of an Attorney

Posted by Tony Senerchia Sr. | Jun 09, 2023 | 0 Comments

Eliminating Debt in Rhode Island with the Help of an Attorney

Debt can become a burden that weighs heavily on your financial well-being and overall quality of life. If you find yourself struggling to manage your debts in Rhode Island, seeking the assistance of an experienced attorney can be a wise decision. In this blog post, we will explore how an attorney can help you eliminate debt in Rhode Island and provide you with the fresh start you deserve.

Understanding Rhode Island Debt Relief Options:


Bankruptcy is a legal process that allows individuals or businesses to seek relief from overwhelming debt. A bankruptcy attorney can guide you through the complexities of the bankruptcy process and help determine which bankruptcy chapter is most suitable for your situation:

  1. Chapter 7 Bankruptcy: Also known as "liquidation bankruptcy," Chapter 7 involves the sale of non-exempt assets to pay off creditors. In Rhode Island, exemptions allow you to protect certain assets from liquidation, enabling you to start anew.
  1. Chapter 13 Bankruptcy: Chapter 13 bankruptcy involves creating a manageable repayment plan to pay off debts over three to five years. With the assistance of an attorney, you can negotiate more favorable repayment terms and potentially reduce the overall amount owed.

Debt Settlement:

An attorney experienced in debt settlement can negotiate with creditors on your behalf to reach agreements for reducing or restructuring your debt. They can handle communication with creditors, navigate the legal aspects, and help you achieve more favorable outcomes. Debt settlement can potentially lead to lower interest rates, waived fees, or reduced principal amounts.

Debt Consolidation:

If you have multiple debts, consolidating them into a single loan can simplify your financial situation. An attorney can assess your circumstances and help you explore debt consolidation options such as personal loans, home equity loans, or balance transfers. By consolidating your debts, you may be able to secure a lower interest rate and make a single monthly payment, making it easier to manage and ultimately eliminate your debt.

The Benefits of Working with an Attorney:

Legal Expertise: An attorney specializing in debt relief and bankruptcy in Rhode Island possesses in-depth knowledge of state laws, regulations, and court procedures. They can provide guidance tailored to your unique circumstances, ensuring that you make informed decisions throughout the process.

Protection and Advocacy: Your attorney serves as your advocate, protecting your rights and representing your interests in negotiations with creditors or in court, if necessary. They can help prevent harassment, wage garnishment, or repossession, providing you with peace of mind during a challenging time.

Streamlined Process: Navigating the complexities of debt relief can be overwhelming. An attorney will handle paperwork, documentation, and communication with creditors on your behalf, saving you time and effort. They will work diligently to streamline the process and achieve the best possible outcome.

Eliminating debt in Rhode Island can be an achievable goal with the guidance of an experienced attorney. Whether through bankruptcy, debt settlement, debt consolidation, or pursuing legal action against abusive debt collectors, an attorney will help you explore and execute the most suitable strategy for your situation. Remember, seeking professional legal advice is a proactive step towards regaining control of your finances and paving the way for a brighter financial future.

If you are interested in learning more about working with the Law Offices of Senerchia & Sheehan on eliminating debt , reach our offices today! 

Schedule a call with one of our attorneys today: 401-615-3880

Email: [email protected] 

Our family protecting your family. We take great pride in being able to assist members of our community get back to a stress-free life. 

About the Author

Tony Senerchia Sr.

Bar Admissions Massachusetts, 2001 Delaware, 2007 Rhode Island, 2008 Connecticut, 2009 United States Court of Appeals First Circuit, 2002 Supreme Court of the United States of America, 2009 US District Court of Rhode Island, 2009 US District Court  of Massachusetts, 2001 Education Unive...


There are no comments for this post. Be the first and Add your Comment below.

Leave a Comment

Our Mission

At Senerchia & Senerchia P.C., located in Cranston, Rhode Island, we stand with individuals and families in our community who have endured hardship or life challenges. At our firm, we focus on Short Sales, Bankruptcy, Family Law, Estate Planning, Worker’s Comp, Probate, Personal Injury, and Criminal Law. We have dedicated our careers to fighting for the rights of people in Rhode Island, Massachusetts, Connecticut, and New Hampshire.