Helping You Get Your Life Back
Are you an individual or a small business-owner who is facing problems with unpaid bills, property foreclosure, or wage garnishments?
“The decision of bankruptcy can be very stressful. Janet made it simple and painless. (Her administrative assistant, Donna, goes above and beyond.) Very sensitive to a very difficult time in your life!”
Is Bankruptcy the Best Solution for You?
Before you decide to file for bankruptcy, you’ll need to make a thorough review of your financial situation. Start by examining all your assets and your liabilities. Even though the decision to file for bankruptcy can be an emotional one, you’ll need to make a conscious effort to remain completely objective through each step of the process. Begin by answering the following questions as objectively and honestly as possible:
- Am I behind on my car payments?
- Am I behind on my mortgage payments and if so, by how much?
- Are my creditors calling me or my family members?
- Am I borrowing from one credit card to payoff another?
- Am I only making minimal payments on my credit card(s)?
- Am I being sued for failing to pay a debt?
- Are my wages being garnished?
- Is my bank account being seized?
- Do I have any judgment liens on my real state?
If you’ve answered “yes” to any of these questions, you’re probably a candidate for Chapter 7 bankruptcy.
Avoid Foreclosure with Loan Modification
The Janet Goldman Law Office has the experience and the knowledge to help you decide whether some type of “Loan Modification” is the best way for you avoid foreclosure on your home.
Strip Your Second Mortgage
As part of a Chapter 13 bankruptcy filing, you may be eligible to “strip” or eliminate your second mortgage.
Home foreclosures and debt harassment can be overwhelming and emotional. That is why it’s important in stressful situations like these that you have the guidance of an experienced bankruptcy lawyer. Keeping up with the complexities of bankruptcy laws is a full-time occupation. One that requires knowledge, experience and due diligence.
Here are some reasons filling bankruptcy on your own may create more problems.
- Bankruptcy courts will dismiss any case that is not properly filed, and you will have to wait 180 days before refilling – and one thing most debtors do not have his a lot of time.
- If you do not prepare and present your case correctly you may be charged with criminal bankruptcy fraud.
- An experienced bankruptcy lawyer can show you options you may not have known you had.
Since bankruptcy laws were amended in 2005, procedures have become more complex. Without experienced legal help to guide you through the entire process, it’s not at all unusual to have your request for bankruptcy protection denied due to technical errors or omissions.
Once you have been notified that you are in default on a loan or a mortgage on your home, getting legal protection quickly is key. At this early stage, we can help keep you in your home before it is foreclosed on and in many cases, prevent the foreclosure altogether.
Because of our extensive experience helping people with foreclosure and debit problems, we can determine at the outset if filing for bankruptcy is the best option for your particular situation.
This law was enacted to prevent creditors from the following types of harassment:
- Contacting you by phone at inconvenient hours before 9am and after 8pm
- Contacting your family or friends and disclosing your private financial information
- Attempting to contact you at your job
- Undocumented threats of arrest
- Publishing your name on a bad creditor list
- Threatening to post false information on your credit report
- Using abusive or profane language when communicating with you
Why You Should Contact Us
Attorney Janet Goldman provides professional legal services with a concentration in bankruptcy law. She is a member of the Rhode Island Bar Association, the National Association of Consumer Bankruptcy Attorneys and the American Bankruptcy Institute. Goldman serves on the Rhode Island Bankruptcy Court Advisory Panel and is also a frequent speaker for the Rhode Island Bar Association, focusing on the Rhode Island District Court and consumer bankruptcy issues.
When I met Attorney Goldman for the first time I was under a great deal of financial and emotional stress. I was unsure of the bankruptcy process and she patiently explained my options and I no longer felt as though I was going it alone. Working with Attorney Goldman and her staff has helped me get through one of the most difficult times in my life, and I feel like I’ve been given a second chance to get back on my feet.
I don’t believe you could find better service anywhere. I contacted Attorney Goldman with an issue that arose five years after she originally assisted me with my situation and she addressed it right away and had it resolved within three days. Words could not begin to convey my gratitude.
I was extremely happy with Janet and her representation of my case. After just the first visit I had no questions as she took the time to explain everything in detail to me. When you call Janet’s office you can expect her to address your questions or concerns, which she takes very seriously.
Daniel W.* of Pawtucket, RI., was referred to Janet Goldman’s practice in the midst of financial turmoil. He was still in the process of resolving a difficult divorce which had…
Martha L.* of North Providence is one of many homeowners who, despite their best efforts, found themselves with a foreclosure notice in hand this past year. Martha is a public…