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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 Chapter 7 Bankruptcy Lawyers

Eliminate Debts with Chapter 7 Bankruptcy in Rhode Island

Chapter 7 is the type of bankruptcy that is familiar to most people. It can be a good option for people with no steady income or those whose income falls below a certain threshold. Chapter 7 bankruptcy is not for everyone, and the advice of a lawyer can be extremely helpful in these situations. From our offices in Providence and Middletown, the attorneys at Karns & Kerrison offer clients more than 85 years of combined experience in Chapter 7 filings and other bankruptcy proceedings.

In Chapter 7, some of your assets are sold (liquidated) to pay off your creditors. In exchange, you will be allowed to discharge (eliminate) most of your unsecured debts, such as credit card and medical debt. Certain types of debt—such as child support, student loans, and most taxes—cannot be discharged in Chapter 7. Additionally, if you want to keep your home, you will be required to continue making mortgage payments.

Contact Karns & Kerrison online or by phone at (888) 281-3100 for a free initial consultation with our Rhode Island Chapter 7 bankruptcy attorneys.

The Truth about Chapter 7 Bankruptcy

Many people worry that they will lose everything they own when they file for Chapter 7 bankruptcy. Do not forget that the bankruptcy laws were not designed to protect your creditors; they were designed to protect you.

The truth is that you get to keep any belongings that are classified as "exempt" under applicable state or federal laws. Household furnishings, clothes, retirement accounts, some homes, and some cars qualify as exempt property. We will evaluate your case to determine if filing under the state or federal statutes would be more advantageous for your situation.

If you do not have any assets the trustee believes can be sold to repay your creditors, you may not lose any of your nonexempt assets. These are commonly referred to as "no-asset" cases. If you have a no-asset case, you would move directly to the discharge stage.

What Debts Are Eliminated in Chapter 7 Bankruptcies?

Chapter 7 is primarily used to eliminate unsecured debts that may include:

  • Credit card debt
  • Medical debt
  • Some IRS tax debt
  • Some second mortgages and home equity lines of credit
  • Utility bills
  • Finance company and payday loans
  • Personal loans

The Chapter 7 bankruptcy process usually lasts four to six months; the exact timeframe will depend on your unique situation and the various circumstances involved.

Guiding You through the Bankruptcy Process

At Karns & Kerrison, our lawyers can give you the information you need to make an informed decision. We can walk you through every step of the bankruptcy process and provide objective advice about your specific situation. We can help you protect your property, get out of debt, and begin a new chapter in your life.

Contact Karns & Kerrison to schedule a free consultation with an experienced Providence Chapter 7 bankruptcy lawyer. We have represented clients throughout Rhode Island and Massachusetts since 1974. We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

You can reach us by calling (888) 281-3100 or contact us via email to arrange an appointment.

  • 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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