Rhode Island Bankruptcy

What Are The Rhode Island Bankruptcy Exemptions?

Rhode Island law protects all or a portion of your property from being seized by creditors or the bankruptcy trustee in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you are generally allowed to keep all of your assets and property. Certain exceptions may apply, so it’s wise to consult with a Rhode Island bankruptcy attorney to find which of your assets will be protected in a bankruptcy filed in Rhode Island. In general, the major Rhode Island bankruptcy exemptions include:

GENERAL RHODE ISLAND EXEMPTIONS
Real Estate (the Homestead Exemption)
Up to $200,000 of equity in your homestead can be protected. A provision in the new bankruptcy law caps the homestead exemption at $125,000 if you have not lived in the state for at least 40 months prior to the time you file a bankruptcy petition. In some situations, the cap may be permanent. You should consult with a Rhode Island bankruptcy attorney for specific information.
Automobiles
Up to $10,000 of equity in all motor vehicles can be protected.
Other Property
Up All clothing; $1,200 in tools used in an occupation and the professional library of any professional person; furniture, clothing, and family stores not exceeding $8,600; $300 in books; one burial plotIn Rhode Island, you have the choice of electing the federal exemption statutes rather than the Rhode Island state exemptions. Consult with a Rhode Island bankruptcy attorney for more details.
View the complete list of Rhode Island bankruptcy exemptions

Please remember that this page provides general information only, and is not intended to provide legal advice. The information is not a substitute for the advice of a qualified bankruptcy attorney. If you need legal assistance, consult an attorney.

Which state’s exemption laws apply in your bankruptcy?

Generally, the laws of the state in which you lived for the 730 days (2 years) prior to filing a bankruptcy petition will apply in your bankruptcy.

If you have not lived in the same state for 2 years immediately prior to filing your bankruptcy petition, the laws of the state in which you lived for the majority of the 180-day period preceding the 2-year period will likely apply.

If the application of the preceding general rules renders you ineligible for exemptions under any state’s laws, you may be allowed to choose the federal exemptions applicable in your bankruptcy.

Is Rhode Island a Community Property State?

No, Rhode Island is not a community property state. Because it is not a community property state, you will be responsible for your spouse’s debts only if you voluntarily assumed those debts by, for example, co-signing on a loan given to your spouse. In a non-community property state, one spouse can file for bankruptcy and be eligible to eliminate all of their unsecured debts without the involvement of the other spouse.

How did your senator vote on the new bankruptcy laws?

Following years of intense lobbying by creditors, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). How did your Senators vote on these largely pro-creditor provisions?

Chafee (R-RI) — YEA
Reed (D-RI) — NAY

Rhode Island Bankruptcy Court Locations:

380 Westminster Street
6th Floor, Suite 615
Providence, RI 02903
(401) 528-4477

Note: You may not have to actually go to one of the above bankruptcy courts. Trustees often conduct your meeting at a local venue.

Although bankruptcy is federal law, the bankruptcy courts in each jurisdiction have local rules that must be followed. A local bankruptcy attorney will be familiar with the specific rules in your area.

Rhode Island Bankruptcy Attorney Locations:

Looking for a Rhode Island bankruptcy attorney?
Looking for a Providence, Rhode Island bankruptcy attorney?

The businesses below are not in any way connected with Bankruptcyhq and are not recommended by us. Do your own due diligence before engaging with them.

Bankruptcy lawyers in Central Falls, Rhode Island

+
Some Quick Facts about Central Falls in Rhode Island

ECONOMY FACTS

Totalling $2437.0, retail sales per capita are below normal nationally. The most common rental charge is $852.0 which is beneath the median. The most common house ticket is $159100.0, (beneath normals for the US).

AGE AND SEX

The aged consist a low 7.2 percent of the locals, implying Central Falls is a youthful place. Kids under 18 years of age consist 27.8% of the local inhabitants. The birth rate in Central Falls is more than average at 8.4 percent.

SOCIAL FACTS

18.2 percent of residents do not have a health plan which is inferior to the United States average. Home owners (20.2%) and those who achieved a bachelor education are less likely to avail themselves of insolvency services. Those who did not succeed to finish secondary education are quite probable to be customers for insolvency practitioners. In Central Falls, 35.1 percent fall into this classification. In Central Falls, Rhode Island 15.1% of locals are reported handicapped and therefore may use federal health insurance.

POPULATION

The newest population for Central Falls in the state of Rhode Island is 19,568 growing 0.8% compared with 2010. People are slightly in favor of male with women in Central Falls, Rhode Island comprising 48.1 percent of the local inhabitants.
Name Phone Address Review Score Sample Reviews

Bankruptcy lawyers in Cranston, Rhode Island

+
Some Quick Facts about Cranston in Rhode Island

SOCIAL FACTS

In Cranston, Rhode Island 8.0 percent are qualified as disabled and as a result are entitled to Medicare. 4.0 percent of the population don't have a medical plan meaning the area is superior to the US mean. Those who did not finish basic education are highly probable to require bankruptcy services. In Cranston, 10.1 percent are part of this category. Individuals owning their property (67.4%) and those who qualified with a university education are not probable to require bankruptcy services.

ECONOMY FACTS

The most common rental payment is $1070.0 which is above the median. The average house ticket is $243500.0, (outstripping average for the country). At $14101.0, local retail sales per person surpass average for the US.

AGE AND SEX

The birth rate in Cranston is beneath nationwide norms at 5.6%. Senior citizens consist an outsized 17.0% of the locals, hinting Cranston is an older aged place. Kids under 18 embody 20.2% of the locals.

POPULATION

The freshest population survey for Cranston, located in Rhode Island is 81,456 exapanding by 1.0% over 2010. Residents are more female in gender with women in Cranston, Rhode Island comprising 51.0 percent of the local inhabitants.
Name Phone Address Review Score Sample Reviews
Law Offices of Stephen P. Levesque+1 401-490-4900Law Offices of Stephen P. Levesque, 165 Burnside St 2nd Floor, Cranston, RI 02910, United States5/5 (30 reviews)
Expand
HUNTER LAW OFFICE+1 401-353-0060HUNTER LAW OFFICE, 1200 Reservoir Ave, Cranston, RI 02920, United States3.9/5 (9 reviews)
Expand
KEY BANKRUPTCY+1 888-725-0004KEY BANKRUPTCY, 1062 Reservoir Ave, Cranston, RI 02910, United States0/5 (not set)
Expand
    Senerchia & Sheehan P.C.+1 401-615-3880Senerchia & Sheehan P.C., 1120 Park Ave, Cranston, RI 02910, United States1/5 (1 review)
    Expand

    Bankruptcy lawyers in East Providence, Rhode Island

    +
    Some Quick Facts about East Providence in Rhode Island

    POPULATION

    The newest population survey for East Providence, Rhode Island is 47,618 rising 1.2% over 2010. Residents are a little biased towards women with women in East Providence, Rhode Island constituting 52.0 percent of the population.

    AGE AND SEX

    Seniors comprise a disproporionate 19.7 percent of the locals, hinting East Providence is an older locale. Youngsters under 18 years of age comprise 18.2 percent of the populace. The growth in youngsters in East Providence is lower than the nationwide average at 4.6 percent.

    SOCIAL FACTS

    Those possessing their property (61.0 percent) and individuals who achieved a university qualification are not likely to be the market for insolvency lawyers. 5.1% of locals have no a medical plan meaning the area is more affluent than the United States average. In East Providence, Rhode Island 10.1 percent of people are reported disabled and as a result may use Medicare. Individuals who didn't finish elementary education are quite likely to use insolvency lawyers. In East Providence, 14.2 percent are in this bracket.

    ECONOMY FACTS

    the average rent cost is $974.0 dropping beneath the median. The most common real estate price is $221700.0, (greater than the median for the US). $11919.0, B2C sales per head fall short of average for the US.
    Name Phone Address Review Score Sample Reviews

    Bankruptcy lawyers in Newport, Rhode Island

    +
    Some Quick Facts about Newport in Rhode Island

    ECONOMY FACTS

    At $14494.0, retail sales per head beat normal for the country. The median rental cost is $1236.0 outshining the US median. The most common house price is $448800.0, (above normals nationally).

    POPULATION

    The most updated population number for Newport, Rhode Island is 24,334 dropping -2.4% since 2010.The Population is a little in favor of women with females in Newport, Rhode Island constituting 51.8% of the population.

    AGE AND SEX

    The elderly comprise a disproporionate 18.4% of the populace, suggesting Newport is an older city. Youth under 18 years old comprise 14.1% of the locals. The growth in youngsters in Newport is under the nationwide average at 4.9%.

    SOCIAL FACTS

    Homeowners (42.8%) and people possessing a degree are not probable to want bankruptcy practitioners. People who have not succeeded to finish basic education are more probable to apply for insolvency practitioners. In Newport, 5.9 percent are part of this group. 8.6% of the populace have no a medical plan meaning the area is better than the US norm. In Newport, Rhode Island 9.5% of the locals are recorded as not able bodied and accordingly make the grade for Medicare.
    Name Phone Address Review Score Sample Reviews
    Thomas B. Orr, Attorney At Law+1 401-846-3912Thomas B. Orr, Attorney At Law, 55 Memorial Blvd, Newport, RI 02840, United States5/5 (5 reviews)
    Expand
    Joshua R. Karns, Esq.+1 401-848-0680Joshua R. Karns, Esq., 850 Aquidneck Ave A-9, Newport, RI 02840, United States5/5 (6 reviews)
    Expand

    Bankruptcy lawyers in Pawtucket, Rhode Island

    +
    Some Quick Facts about Pawtucket in Rhode Island

    ECONOMY FACTS

    The typical rent payment is $920.0 putting the area under the US median. The most common house ticket is $194600.0, (lower than normals for the US). At $6412.0, local retail sales per person are under average for the country.

    AGE AND SEX

    The birth rate in Pawtucket is more than nationwide norms at 6.0 percent. Senior citizens embody a routine 13.0% of the local inhabitants, implying Pawtucket is a demographically unexceptional place. Children below 18 years of age embody 20.9% of the populace.

    POPULATION

    The freshest population for Pawtucket, Rhode Island is 72,117 increasing by 1.4% compared with 2010. The Population is slightly more men with women in Pawtucket, Rhode Island comprising 49.4 percent of the locals.

    SOCIAL FACTS

    Individuals who didn't finish secondary education are most probable to make use of insolvency practitioners. In Pawtucket, 18.7 percent are in this class. Property owners (45.1 percent) and those who have a degree are not probable to need bankruptcy practitioners. In Pawtucket, Rhode Island 12.9% are reported not able bodied and therefore are eligible for federal insurance. 7.0% of local inhabitants don't have a medical plan which means the area is better than the US norm.
    Name Phone Address Review Score Sample Reviews
    John Simonian Attorney at Law+1 401-941-4800John Simonian Attorney at Law, 474 Broadway, Pawtucket, RI 02860, United States4.9/5 (162 reviews)
    Expand
    Christopher Lefebvre, Attorney+1 401-728-6060Christopher Lefebvre, Attorney, 2 Dexter St, Pawtucket, RI 02860, United States4.6/5 (36 reviews)
    Expand
    Law Offices of Edward G. Lawson+1 401-725-1810Law Offices of Edward G. Lawson, 260 Lonsdale Ave, Pawtucket, RI 02860, United States4.7/5 (12 reviews)
    Expand
    Claude F. Lefebvre & Christopher M. Lefebvre, P.C.+1 401-728-6060Claude F. Lefebvre & Christopher M. Lefebvre, P.C., 2 Dexter St, Pawtucket, RI 02860, United States4.7/5 (14 reviews)
    Expand

    Bankruptcy lawyers in Providence, Rhode Island

    +
    Some Quick Facts about Providence in Rhode Island

    SOCIAL FACTS

    People who have not succeeded to graduate from secondary education are more probable to fall afoul of insolvency lawyers. In Providence, 18.4 percent are in this class. In Providence, Rhode Island 10.5% of residents are qualified not able bodied and thus are entitled to federal insurance. 8.3 percent of local inhabitants do not have medical insurance. This is more favorable than the national average. Homeowners (36.1 percent) and individuals who have a university qualification are not likely to want bankruptcy lawyers.

    AGE AND SEX

    The growth in youngsters in Providence is more than the national average at 6.3 percent. The aged consist a lowly 10.8 percent of the local inhabitants, indicating Providence is a youthful place. Kids under 18 years old make up 22.4% of the populace.

    ECONOMY FACTS

    The typical rent charge is $994.0 dropping below the nationwide average. The most common house price is $200300.0, (less than the median nationally). Totalling $8119.0, local retail sales per capita fall below normal for the country.

    POPULATION

    The Population is slightly more female in gender with females in Providence, Rhode Island constituting 51.6 percent of the residents. The newest population survey for Providence, Rhode Island is 179,883 a rise of 1.2% over 2010.
    Name Phone Address Review Score Sample Reviews
    Attorney Mark Buckley, CFP+1 401-400-2302Attorney Mark Buckley, CFP, 1536 Westminster St, Providence, RI 02909, United States5/5 (39 reviews)
    Expand
    The Law Offices of James T. Marasco+1 401-421-7500The Law Offices of James T. Marasco, 617 Smith St, Providence, RI 02908, United States4.3/5 (35 reviews)
    Expand
    Robert B Jacquard, Esq+1 401-461-6800Robert B Jacquard, Esq, 231 Reservoir Ave, Providence, RI 02907, United States4.9/5 (36 reviews)
    Expand
    UpRight Law+1 877-927-5451UpRight Law, 231 Reservoir Ave, Providence, RI 02907, United States1/5 (2 reviews)
    Expand
    Bankruptcy Fixes Debt+1 401-632-4919Bankruptcy Fixes Debt, 10 Dorrance St, Providence, RI 02903, United States0/5 (not set)
    Expand
      Rhode Island Legal Services+1 401-274-2652Rhode Island Legal Services, 56 Pine St 4th floor, Providence, RI 02903, United States3.8/5 (89 reviews)
      Expand

      Bankruptcy lawyers in Warwick, Rhode Island

      +
      Some Quick Facts about Warwick in Rhode Island

      ECONOMY FACTS

      Totalling $23948.0, retail sales per capita are greater than normal nationally. the average rental payment is $1167.0 which is beyond the median. The median real estate price is $225300.0, (outstripping average for the US).

      AGE AND SEX

      The rate of births in Warwick is under the US average at 5.0%. Seniors embody an unhealthy 20.0% of the locals, suggesting Warwick is a solely retirement locale. Youth under 18 embody 17.7 percent of the population.

      SOCIAL FACTS

      Homeowners (71.5 percent) and those who qualified with a higher education are not probable to be the market for bankruptcy services. In Warwick, Rhode Island 11.1% are qualified handicapped and as a result qualify for the federal health program. 4.3 percent of locals are in need of a health plan. This is more favorable than the national average. Those who failed to graduate from basic education are highly probable to be clients for insolvency services. In Warwick, 7.5% belong to this class.

      POPULATION

      People are slightly biased towards female in gender with women in Warwick, Rhode Island constituting 52.5% of the residents. The most recent population count for Warwick, Rhode Island is 81,004 dwindling by -2.0% compared with 2010.
      Name Phone Address Review Score Sample Reviews
      Law Office of Janet J Goldman+1 401-785-2300Law Office of Janet J Goldman, 51 Jefferson Blvd Suite 7, Warwick, RI 02888, United States4.7/5 (47 reviews)
      Expand
      Law Offices Of David Hathaway+1 401-738-3030Law Offices Of David Hathaway, 469 Centerville Rd #203, Warwick, RI 02886, United States5/5 (16 reviews)
      Expand
      Carl P. DeLuca, Attorney at Law, LLC+1 401-384-0355Carl P. DeLuca, Attorney at Law, LLC, 631 Jefferson Blvd, Warwick, RI 02886, United States5/5 (23 reviews)
      Expand
      Devane Fogarty & Ribezzo: Fogarty Brian D+1 401-821-9945Devane Fogarty & Ribezzo: Fogarty Brian D, 1454 Main St # B9, West Warwick, RI 02893, United States0/5 (not set)
      Expand
        Geremia & DeMarco, Ltd+1 401-885-1444Geremia & DeMarco, Ltd, 1350 Division Rd, West Warwick, RI 02893, United States0/5 (not set)
        Expand
          The Law Office of Devane, Fogarty & Ribezzo+1 401-206-5975The Law Office of Devane, Fogarty & Ribezzo, 1454 Main St, West Warwick, RI 02893, United States5/5 (4 reviews)
          Expand
          Law Office of Steven J. Hart+1 401-828-9030Law Office of Steven J. Hart, 328 Cowesett Ave STE 3, West Warwick, RI 02893, United States4.7/5 (32 reviews)
          Expand

          Bankruptcy lawyers in Woonsocket, Rhode Island

          +
          Some Quick Facts about Woonsocket in Rhode Island

          ECONOMY FACTS

          The most common rent figure is $912.0 putting the area under the nationwide median. The average property price is $173300.0, (under average for the country). $7998.0, B2C sales per person fall below normal nationally.

          POPULATION

          The most up to date population count for Woonsocket, located in Rhode Island is 41,751 exapanding by 1.3% compared with 2010. People are biased in favor of female with females in Woonsocket, Rhode Island comprising 51.4 percent of the populace.

          SOCIAL FACTS

          In Woonsocket, Rhode Island 16.7% of the locals are qualified handicapped and therefore are entitled to Medicare. People who did not finish school are quite probable to make use of bankruptcy practitioners. In Woonsocket, 18.2 percent qualify for this category. 8.3 percent of the population do not have a medical plan and this is more affluent than the national average. People possessing their home (36.4%) and individuals who achieved a university degree are not very likely to be clients for insolvency lawyers.

          AGE AND SEX

          The birth rate in Woonsocket is greater than nationwide norms at 7.0 percent. The elderly embody a normal 13.7 percent of the populace, indicating Woonsocket is a quintessential city. Youth under 18 years old consist 21.6 percent of the local inhabitants.
          Name Phone Address Review Score Sample Reviews
          Express Bankruptcy Petitioners+1 800-375-2238Express Bankruptcy Petitioners, Woonsocket, RI 02895, United States0/5 (not set)
          Expand

            Bankruptcy Help Near Me

            Bankruptcy USA Map