Lawyers, Answer Questions  & Get Points Log In

Rhode Island Bankruptcy Questions & Answers

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: Hello I have a question. If I filed chapter 7 back in 2014 am I able to file again under new creditors?

Timothy Denison answered on Mar 25, 2019

No. You cannot file a new Chapter 7 until 2022; however, you can file a Chapter 13 at any time..

2 Answers | Asked in Bankruptcy for Rhode Island on

Q: I currently owe I’ve 10k to a hospital and am unemployed with 0 assets. Am I eligible to file for bankruptcy?

I am not eligible for financial aid through the hospital my surgeon used due to the procedure being dental related, not “medical.” My surgeon did not do a preauthorization for the procedure and neither my dental nor health insurance will pay for this bill. I am stuck with it and am only 21... Read more »

Timothy Denison answered on Jan 23, 2019

You should be eligible to file.

View More Answers

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: I am only considering ch 13 due to a second mortgage balloon payment due in early 2021 if I can't refinance

I have plenty of income. I intend to pay all creditors in full. Will this allow me to keep some income every month and go with a 5 year plan? For example, if I have $10000 in disposable monthly income and all debts/60 would be $4000/month. Mortgage and expenses cover another $3000 for a total... Read more »

Timothy Denison answered on Dec 13, 2018

You can do a100% repayment plan over 5 years without incident.

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: I would like file chapter 7, i do not own any assets, I have considered Chapter 13, can you advise the exacts in 7

Timothy Denison answered on Oct 16, 2018

Chapter 7 is likely the way to go for you since you have no assets. Chapter 13 is a wage earner repayment plan designed for people who have assets they could not otherwise keep. Contact a local bankruptcy attorney who can guide you through the process.

1 Answer | Asked in Bankruptcy and Consumer Law for Rhode Island on

Q: I had a motorcycle that I defaulted on for the last 6 payments..

I've had the bike for 11 years and finally went to the DMV to see if I still had a lean on it... I did not have a lien and was issued a duplicate title.. can I sell it?

David Earl Phillips answered on Jul 15, 2017

If there is no lien against the title you would be able to sell the bike in my state, Tennessee. If Rhode Island is a title state also you should be OK with selling the bike. Hope it works out. Good luck!

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: If I file chapter 13 can my cars be reposessed if the car company is on the bankruptcy

Kevin W. Chern Esq. answered on May 21, 2015

One of the primary reasons that people choose to file for Chapter 13 bankruptcy is that a Chapter 13 payment plan allows for keeping property that serves as security for a debt (such as an automobile with a lien on it) and catching up past-due payments over time.

Kevin Chern is an Illinois...
Read more »

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: How do I write my Bankruptcy #?

Trying to complete the final course in personal financial management but the course will not except the following number 1:14-bk-12436 it is to long and only #'s how should this be written?

thanks

Neville Bedford answered on Mar 27, 2015

When you have a problem like this, contact the provider of the financial management course support line or the attorney you hired to assist you with your bankruptcy.

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: Financial liability after bankruptcy discharge for difference between short sale amt and amt owed?

Our 1st and 2nd mtgs were included in our bankruptcy. We were not allowed to reconfirm them, but we have continued paying on time and living in the property. Are we financially liable for the difference in amt owed and amt of a short sale since the discharge included the mtgs?

Norma Duenas answered on Aug 9, 2014

If you have listed and included your two mortgages in your bankruptcy then you should not have liability for any difference between the amount of the short sale and what was owed. Your bankruptcy would have removed your personal liability for the mortgages. The only time that you would be... Read more »

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: A firm that went bankrupt owes me money. I am not a secured lender, but a subcontractor. The amount is $12,000

Andrew Bresalier answered on Feb 11, 2014

A: Unless there is unexempt property, usually a Creditor does not receive payment. Even when something is unexempt and administered, Creditors generally only get pennies on the dollar. Unless you can show some fraud in the granting of the loan and have your loan declared nondischargable, the most... Read more »

1 Answer | Asked in Bankruptcy for Rhode Island on

Q: Worked for a company who's owners filed bankrupcy and owe back wages. Will courts pay out those wages. How can I know?

Andrew Bresalier answered on Feb 11, 2014

A: Unless there is unexempt property, usually a Creditor does not receive payment. Even when something is unexempt and administered, Creditors generally only get pennies on the dollar. Unless you can show some fraud in the granting of the loan and have your loan declared nondischargable, the most... Read more »

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.