Open Accessibility Menu

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.

Chapter 13 Bankruptcy Attorneys in Rhode Island

Chapter 13 Can Help You Avoid Foreclosure & Keep Your Home

Chapter 13 bankruptcy can be a good option for people who have a regular income but are struggling to keep up with their bills. In Chapter 13 bankruptcy, mortgage arrears, credit card debts, medical bills, and other unpaid debts are consolidated and the debtor repays a portion or all of the debt in manageable monthly payments over a three- to five-year period.

Depending on your income, expenses, family size, and assets, you may only be required to pay back a small portion of the debts you owe to unsecured creditors. Even if the terms of your repayment plan result in a debt being only partially paid, your obligation for the entire debt will be eliminated at the end of the process.

Determining what amount you will have to pay creditors through your plan is very complicated and should be discussed with a lawyer. At Karns & Kerrison, we provide complete Chapter 13 bankruptcy representation to Rhode Island and Massachusetts clients.

Contact us online or by phone at (888) 281-3100 for a free initial consultation with a skilled Chapter 13 bankruptcy attorney in Rhode Island.

Are You Eligible To File for Bankruptcy?

If your income is over a certain amount or you have disposable income, you will not be eligible to file Chapter 7 and will be required to file Chapter 13.

Your eligibility to file either type of bankruptcy is determined by several factors, including:

  • How much debt you have
  • The type of debt you have
  • Your income and your expenses
  • Household size
  • Where you live and for how long
  • Your assets

Even if you have the option of filing Chapter 7, it may be in your best interest to file Chapter 13.

You may wish to file for Chapter 13 if:

  • You have substantial debts that cannot be eliminated in bankruptcy—such as taxes or student loans—and need time to pay them off
  • You need time to pay off mortgage arrears so that you don't lose your home to foreclosure
  • You have assets that you would lose in Chapter 7, like a second home or car

Serving Middletown, Providence & All of Rhode Island

Please call our office to schedule a free consultation. We can conduct a thorough review of your financial situation, explain your options, and offer our best recommendation for a solution. You can reach us by calling (888) 281-3100 or contact us via email to arrange an appointment.

We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

  • 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

  • Testimonial Image


for our clients view results

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.

  • Please enter your First Name.
  • Please enter your Last Name.
  • This isn't a valid phone number.
    Please enter your phone number.
    You entered an invalid number.
  • This isn't a valid email address.
    Please enter your email address.
  • Please make a selection.
  • Please enter a message.