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Awards & Affiliations

  • American Association for Justice
    As members of the AAJ, we are committed to promoting a fair, effective justice system that allows for victims of misconduct or negligence to obtain the justice they deserve.
  • Rhode Island Association for Justice
    Members of the Rhode Island Association for Justice follow the organization’s mission: Working together to ensure equality.
  • Rhode Island Bar Association
    The Rhode Island Bar Association has been working to uphold and protect federal and state laws since 1898, with an emphasis on maintaining a democratic government and honoring the justice system.
  • DC Bar
    Membership with the DC Bar provides us with access to legal research materials, professional service providers, and more that can be used for the benefit of our clients.
  • Super Lawyers
    Only 2.5% of attorneys in a given state are selected for inclusion on the Rising Stars® list. Members must be aged 40 or younger, or be in practice for 10 years or less.
  • Distinguished Martindale Hubbell
    Distinguished® attorneys are peer-review rated and selected based on their honorable professional achievements.
  • Brain Injury Association
    Our work with the Brain Injury Association of Rhode Island is designed to provide information and services to survivors.
  • Brain Association of America
    As members of the Brain Injury Association of America, we are the voice of awareness, and we are here to help survivors.
  • Expertise Best Personal Injury Lawyers
  • Southern New England Brain Injury Law Center
    Southern New England Brain Injury Law Center
    This is a society of multidisciplinary brain injury professionals who come together to discuss issues concerning brain injury and bring the science behind brain injuries into practice.
  • Melvin M Belli
    Lawyers are initiated into the Melvin M. Belli society by invitation-only and are considered to be distinguished trial lawyers.

Providence Bankruptcy Lawyers

Helping You Understand Your Options for Debt Relief

Dealing with significant debt is one of the most stressful things a person can go through. Overdue payment notices, persistent calls from creditors, and the inability to keep up with bills can all have a negative impact on various aspects of your life, affecting everything from your work to your relationships to even your health. What many people don’t realize, however, is that they have federally-protected debt relief options through bankruptcy.

While bankruptcy tends to have a poor reputation—and it should be noted that filing for bankruptcy is not without certain consequences—it can actually be a viable option for eliminating debt and getting a fresh financial start. It is important to discuss your various options with an experienced attorney before filing for bankruptcy. There are several avenues for debt relief that may be available to you, and the right one will depend on your particular circumstances as well as your personal goals.

Contact Karns & Kerrison at (888) 281-3100 to schedule a completely free consultation with a bankruptcy attorney in Providence.

Chapter 7 vs. Chapter 13 Bankruptcy: Understanding Your Options

There are two primary forms of bankruptcy available to most consumers: Chapter 7 and Chapter 13. Each option offers a few key benefits and each has its own set of drawbacks. You will want to carefully consider your situation, including your financial needs and goals, before pursuing either option. You will also need to ensure that you qualify for bankruptcy first.

Below is a brief overview of both Chapter 7 and Chapter 13 bankruptcy:

  • Chapter 7: Chapter 7 bankruptcy allows you to completely eliminate your debt and start fresh. However, in order to qualify for this form of bankruptcy, your income must fall below a certain threshold. Additionally, some of your property/assets may be liquidated (sold) to repay some or all of your debts.
  • Chapter 13: Chapter 13 bankruptcy allows you to keep all of your property, but it also requires you to follow a mandatory debt repayment plan for a period of either three or five years. Chapter 13 is often an ideal option for individuals facing home foreclosure, as it allows you to make up past-due mortgage payments and continue paying current payments.

As previously mentioned, this list represents only a very high-level overview of Chapter 7 and Chapter 13 bankruptcy. To learn more about each, or to find out which type of bankruptcy might best suit your situation, please visit our Chapter 7 Bankruptcy and Chapter 13 Bankruptcy pages.

Contact Karns & Kerrison for Help with Bankruptcy in Rhode Island & Massachusetts

While bankruptcy can be a powerful tool in reducing or eliminating debt and allowing you to regain financial control, the process itself can be quite complex. Depending on your unique situation, you may need to qualify for bankruptcy, attend debt counseling, submit various documents, and/or agree to a debt repayment plan. It is a good idea to meet with an experienced attorney who can help you clearly understand your options and create a personalized plan for debt relief.

At Karns & Kerrison, we have been serving clients throughout Rhode Island and Massachusetts since 1974. Our Providence bankruptcy lawyer, Joshua R. Karns, has nearly 15 years of experience assisting individuals and families facing insurmountable debt, relentless creditors, and foreclosure. He works alongside our team to provide compassionate and understanding legal services, coupled with fierce advocacy and tireless representation for each and every client. With offices in Providence and Middletown, we are prepared to serve you.

Contact us online or by phone at (888) 281-3100 today for a no-cost consultation.

  • Car Accident Traumatic Brain Injury
    I would definitely recommend Karns & Kerrison to anyone who asked - they come through for you.

    - Patricia Feeley

  • Slipped on Greasy Floor
    I have no reservations whatsoever in recommending Karns & Kerrison.

    - Mike Carey

  • Rear End Collision
    Nothing but positive results from consultation, to filing the legal suit, handling of a major operation, to recovery and finalizing a generous settlement.

    - Larry Goldfarb

  • Horrible Car Accident
    They not only got me a fair settlement, they helped to get me well.

    - Nancy

  • Motor Vehicle Accident - Braga Bridge
    It was comforting to know I had someone watching out for me.

    - Jeanie Small

  • Pedestrian hit by Car
    I did not know where to turn when I realized I needed legal help but I am very happy that I found Karns & Kerrison.

    - Martin

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Schedule A Free Consultation

If you or your loved one suffered severe, life-altering injuries due to someone else’s negligence, we are here to help you fight for justice. For answers to your questions or to schedule a free consultation, contact our personal injury team at (888) 281-3100. We offer our legal services on a contingency fee basis, meaning you only pay attorneys’ fees after we have recovered compensation on your behalf.

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