Bankruptcy - Free Consultation by Peter M. Iascone
There are many reasons for financial difficulties, such as loss of a job, reduction in pay, illness or death of the breadwinner or too many credit card purchases that got out of hand. Money problems can be emotionally wrenching and seriously damage family relations.
The law helps those who are unable to pay their bills. At the Law Offices of Peter M. Iascone & Associates our experienced attorneys will help you get immediate relief from harassing creditors. If you are experiencing a garnishment of your wages, the law will immediately stop the garnishment and put an end to the case against you. If you are facing foreclosure of your home, the immediate halt of the foreclosure of your home.
Preserve your property
You may need the protection of the bankruptcy laws if you are unable to pay your bills on time. The law will protect you against aggressive bill collectors and preserve as much of your property for you as possible, in most cases all of your property.
At the Law Offices of Attorney Peter M. Iascone, you will be advised about your options to help you make the best of your situation. If you cannot manage your bills, call immediately for a free consultation to learn about your rights and avoid missing advantages that can be lost with the passage of time.
How can we help you
Stop the collection companies from harassing you!
- Medical Bills
- 2nd Mortgages
- Bank Loans
- Co-Signed Debts
- Other Bills
- Credit Card Debt
- Creditor Harassment
- Pay Attachments
- Utility Shut Offs
STOP FORECLOSURE IMMEDIATELY
If your mortgage company is threatening or has begun foreclosure against your property, the law provides immediate relief.
If you have a steady income you can file a Chapter 13 that will compel the mortgage company to stop the foreclosure proceedings immediately and to pay the payments that you are behind along with at least a percentage of your credit cards and loans over a 3 to 5 year period. A Chapter 13 will also discharge the unsecured debt you have. By Federal Law your mortgage company has no alternative but to stop the foreclosure no matter what stage it is in!
You Have A Right to Sue Harassing Debt Collectors Debt collectors must treat you with truth, fairness, dignity, and respect. Period. Any debt collector who crosses the line and abuses you for the collection of a consumer debt can be sued in federal court for damages under a law called the Fair Debt Collection Practices Act (FDCPA).
Debt Collectors Are Prohibited From Doing Lots of Things Threatening lawsuits, garnishment, liens, or arrest for not paying a bill Calling your family, friends, neighbors or employers to collect a debt Leaving abusive phone messages Insulting, yelling or swearing at you Calling your workplace after telling the collector not to call you there Lying, threatening, or otherwise harassing you in any way If you have suffered from any of these abusive bill collection practices, you may be entitled to compensation. We can help any consumer who is currently in collections, or has suffered from collection harassment. Call us today at 855-PeteLaw to speak with an attorney and get a free phone consultation on your case.
What to Do if You’re Abused By a Collector
If you’re contacted by a debt collector, you have a right to dispute the debt either verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first “validation notice” from the debt collector. Even if you owe the debt, or you cannot pay, you still have rights under the FDCPA. Most of our clients owe the debt being collected but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it’s important for you to keep good records of all of the contacts.
Important Steps You Can Take To Help Your Case
RHODE ISLAND AND MASSACHUSETTS BANKRUPTCY
Don’t let the thought of bankruptcy scare you or make you feel ashamed. Millions of people a year file for bankruptcy and many more should consider filing.
Contact an experienced Rhode Island Bankruptcy Attorney at the Law Offices of Peter M. Iascone. Our attorneys have years of experience in bankruptcy law and are licensed in Rhode Island to practice bankruptcy law. Don’t think of bankruptcy as the end, think of it as the beginning of a fresh financial start. An experienced Rhode Island bankruptcy attorney will analyze your finances and help you determine the best bankruptcy option for your situation. The idea of bankruptcy is stressful, so let an experienced Rhode Island bankruptcy attorney answer your bankruptcy questions. If you live in the Rhode Island area and require an experienced Rhode Island bankruptcy attorney, call us for your free confidential bankruptcy consultation. Remember, our attorneys are experienced bankruptcy lawyers with a mission to guide individuals through the bankruptcy process and help people get out from under excessive debt. Don’t let the complicated Bankruptcy Laws stop you from consulting with an experienced Rhode Island bankruptcy attorney.
Bankruptcy Rhode Island
Are you considering Bankruptcy? While nobody wants to file bankruptcy, circumstances beyond your control often contribute to the financial difficulties that ultimately lead to bankruptcy. For the past 30 years, the bankruptcy lawyers in our office have represented thousands of people who found themselves with excessive debt. Our lawyers are licensed to practice in Rhode Island and have extensive experience representing individuals and businesses in Rhode Island Bankruptcy Courts. Bankruptcy can help you save your home and car, restore your credit, and eliminate your excessive debt. The Rhode Island bankruptcy lawyers in our offices care about your financial needs and are located in the Rhode Island area. Whatever your financial situation, let an experienced Rhode Island bankruptcy lawyer advise you about your bankruptcy options. Call now for your free confidential bankruptcy consultation with one of our lawyers. If you have any questions about bankruptcy or bankruptcy law, and you live in the Rhode Island area; contact the Peter M. Iascone Law Office. Don’t continue to live with excessive debt; consult an experienced Rhode Island bankruptcy lawyer to discuss your financial needs now and in the future.
Frequently Asked Questions
After I file BK, can I buy a car or a home?Yes, there is nothing in the law that disqualifies you or prevents you from purchasing a new car or home after a bankruptcy. In fact, many finance companies and mortgage companies have special programs for individuals who have been through a bankruptcy.
How does filing affect my credit score?The bankruptcy can actually help your credit score. In most cases credit scores actually raises an average of 83 points within a year after the bankruptcy.
Will I lose my house or my car?So long as you’re up-to-date on the payments you will not lose your home or your car. The finance companies would be more than happy for you to keep paying on it in for you to keep the asset rather than to take it from you.
Will I lose my job?By law you cannot be discriminated against in your employment or lose your job because you filed a bankruptcy.
I have 5 credit cards, but I would like to keep 1. Is that possible?It is up to the credit card company whether or not they will allow you to keep one of their credit cards. In most cases, most of our clients get pre approved credit cards after they receive their bankruptcy discharge. The reason being is after the bankruptcy your debt is wiped out and in most cases your credit score rises. Creditors see that you have no other debts to pay which makes you a better credit risk for them.
Can I file BK on the money I owe for child support?No. By law the support obligations are not dischargeable.
What is the difference between a Chapter 7 and Chapter 13?A chapter 7 bankruptcy discharges your debt. A chapter 13 bankruptcy will also discharge of debt but requires that you pay a percentage of your existing debt over a three-to five-year period. The amount that it does not pay is discharged as if it were a chapter 7. You must show that you qualify for a Chapter 7. A chapter 13 will also allow you to save your home if you are behind on payments on the mortgage.
Can I request a new credit card after I file BK?In most cases, most of our clients get pre approved credit cards after they receive their bankruptcy discharge. The reason being is after the bankruptcy your debt is wiped out and in most cases your credit score rises. Creditors see that you have no other debts to pay which makes you a better credit risk for them.
Will my bankruptcy be published in the newspaper?No. newspapers do not publish bankruptcy filings for individuals.
Can a creditor call me after I file BK?From the time that the bankruptcy is filed a creditor cannot contact you for collection of the debt. The law provides serious consequences against them if you are requested to pay a discharge debt.
I own two or more properties; do I have to surrender them? All of them?No, law allows you to keep one or more properties that you own.
I currently rent, does my landlord need to know I’m filing BK?No.
Can I file the money I owe to the IRS on my BK?Generally, if the taxes you owe are three years old or older they are dischargeable in a bankruptcy.
I currently collect SS / SSD / 401K / other form of retirement, are the creditors going to keep the money I collect?By law, Social Security and pension that has been built up is protected in a bankruptcy.
Our Attorneys in this Area
Let the Law Offices of Peter M. Iascone & Associates give you the experienced advice you need to make an informed decision
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Peter M. IasconeAttorney & Founder
Attorney Iascone has a Bachelor of Science degree from Bryant University majoring in Accounting. He graduated in 1984 from the New England School of Law with a Jurist Doctorate degree and has successfully represented the injured ever since.
Attorney Iascone is an experienced trial attorney focusing on personal injury. He is on the Board of Directors of the RI Trial Lawyers Association, a member of the American Trial Lawyers Association and the National Association of Consumer Bankruptcy Attorneys.