Will I lose everything if I file for bankruptcy?

No. Rhode Island has generous exemptions that protect your home (up to $500,000 in equity under the Rhode Island homestead exemption), vehicles, retirement accounts, and personal property.

How long does bankruptcy stay on my credit report?

Chapter 7 remains on your credit report for 10 years. Chapter 13 remains for 7 years. However, many clients see their credit scores improve within 1-2 years of discharge.

Can bankruptcy stop foreclosure or repossession?

Yes. Filing for bankruptcy triggers an automatic stay that immediately halts most collection actions, including foreclosure proceedings and vehicle repossession.

What's the difference between Chapter 7 and Chapter 13?

Chapter 7 liquidates eligible debts quickly (3-6 months) but requires passing the means test. Chapter 13 creates a 3-5 year repayment plan, allowing you to keep assets while catching up on payments.

Thomas B. Orr

Attorney at Law

(401) 846-4610 Free Consultation

Bankruptcy Services

Find the Light at theEnd of the Tunnel

Name: Thomas B. Orr, Esq.
Address: 250 Green Lane, Middletown, RI, 02842, US
Telephone: +1-401-846-4610
Price range: Free Consultation
Rating: 5

Thomas B. Orr is an experienced Rhode Island bankruptcy lawyer helping individuals and families eliminate debt through Chapter 7 and Chapter 13 bankruptcy.

Serving Newport, Bristol, Providence, Kent, and Washington counties for over 42 years, Attorney Orr provides compassionate, knowledgeable guidance to help you achieve a fresh financial start.

Free Consultation (401) 846-4610

RI Bar Association Volunteer Lawyer Program — Legal fees may be waived if you qualify

A Fresh Start is Possible

Stop Creditor Harassment

Once you file, the automatic stay forces creditors to stop all collection efforts immediately.

Protect Your Assets

Rhode Island's $500,000 homestead exemption protects your home, car, and personal property.

Rebuild Your Future

Eliminate or restructure debt and start building a stronger financial foundation.

Serving Rhode Island

Newport, Bristol, Providence, Kent & Washington Counties

Your Options

Understanding YourPath Forward

Every financial situation is unique. Thomas B. Orr will help you determine which type of bankruptcy — or alternative solution — is right for your circumstances. Learn about the means test and Rhode Island exemptions to understand your options.

Fresh Start Bankruptcy

Chapter 7 Bankruptcy

Also known as 'liquidation bankruptcy,' Chapter 7 can eliminate most unsecured debts quickly, giving you a true fresh start. Ideal for those who pass the means test and need immediate relief from credit card debt, medical bills, and other unsecured obligations.

Timeline: 3-6 months

Ideal For:

Best for individuals who pass the means test and have limited income and few non-exempt assets requiring immediate debt relief.

Discuss Your Options Learn More About Chapter 7

Key Benefits

Eliminate credit card debt completely

Discharge medical bills and personal loans

Stop wage garnishments with automatic stay

End creditor harassment immediately

Protect home equity up to $500,000

Quick discharge of qualifying debts

Not sure which option is right for you? Schedule a free consultation to discuss your specific situation with Attorney Orr.

The Process

Your Journey toFinancial Freedom

Attorney Orr will guide you through every step, ensuring you understand the process and feel confident about your path forward.

Free Consultation

Meet with Attorney Orr to discuss your financial situation, understand your options, and determine if bankruptcy is right for you.

Gather Documents

Collect the necessary paperwork to accurately assess your financial situation and prepare your case.

Documents You'll Need:

Bills & creditor statements

Federal tax returns

Pay stubs

Bank statements

Property information

Vehicle registrations

File Your Petition

Attorney Orr files your bankruptcy petition with the court. Creditors must immediately stop all collection efforts.

Fresh Start

Complete required counseling courses, attend the 341 meeting, and receive your discharge. Your path to financial freedom begins.

Transparent Pricing

Affordable LegalRepresentation

We believe everyone deserves access to quality legal help. Our fees are competitive and transparent, with no hidden costs.

Chapter 7

Quick discharge of eligible debts

Attorney Fees$2,500 - $3,000

Court Filing Fee$335

Chapter 13

Structured repayment plan

Attorney Fees$3,000 - $3,500

Court Filing Fee$310

Required Additional Costs

Credit Counseling Course$18.95

Financial Management Course$18.95

Credit Report$33

Rhode Island Bar Association Volunteer Lawyer Program

Thomas B. Orr participates in the RI Bar Association Volunteer Lawyer Program. If you qualify based on income guidelines, your legal fees may be waived entirely.

FAQ

Common QuestionsAnswered

Bankruptcy can feel overwhelming, but knowledge is power. Here are answers to questions we hear most often from Rhode Island residents considering debt relief options.

View All FAQs Ask a Question

Take the First Step

Your Fresh StartBegins Today

Financial difficulties don't define you. With 42+ years of experience helping Rhode Island families, Thomas B. Orr understands the stress you're facing and is committed to finding the best solution for your unique situation.

Schedule Free Consultation Call Now

Contact Information

Phone

(401) 846-4610

contact@newportlaworr.com

Address

250 Green Lane

Middletown, RI 02842

Office Hours

Monday - Friday

9:00 AM - 5:00 PM

Free initial consultation • Serving all Rhode Island counties