Get Answers to Your Bankruptcy Questions

Attorney Robert Jacquard I am an experienced personal bankruptcy and debt relief attorney serving Rhode Island and Massachusetts. I will tell you what you can expect in the bankruptcy process, help you through the process, and help you make the best decisions to get you back on track.

Use my website as a resource to learn about bankruptcy and contact me directly to ask your bankruptcy question or to schedule your free bankruptcy consultation. ~Robert B. Jacqaurd

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A Few Facts About Bankruptcy Law

  • Chapter 7 bankruptcy allows you to eliminate only your consumer debt, but allows you to keep your mortgage and car.
  • Chapter 13 debt relief allows you to consolidate ALL of your debt, including student loans and taxes into a structured debt repayment plan.
  • Approximately ninety-five percent of American workers still qualify for bankruptcy under the Chapter 7 laws.
  • Most people who file for bankruptcy are hardworking, honest people who have repaid their original amount borrowed, but can't get ahead of the interest.

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Common Myths About Filing Bankruptcy

  • You won't be able to borrow money for at least ten years following a bankruptcy.
  • You will lose your house to foreclosure and your car will be repossessed.
  • You will never get a mortgage approved so you can move out of your apartment.
  • Bankruptcy is a form of theft and cheating the system.
  • I will lose my car if I file for bankruptcy.
  • My employer will fire me for if I file for bankruptcy
  • My credit will be ruined for the rest of my life if I file for Bankruptcy.
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Recent Bankruptcy Articles

Qualifying for Chapter 7 Bankruptcy

Debtors cannot simply decide to file Chapter 7, they must first pass a means test. The means test is based on a formula based on median income which the federal government compares your household income to the median household income for your family size in the county in which you live. The median income is […]

Filing For Bankruptcy in Rhode Island: What You Need To Know

If you are considering filing for bankruptcy and live in Rhode Island, or Massachusetts, you need to know the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy. These are the two main types of personal bankruptcy but each have their own set of rules and stipulations that are paramount in choosing the right one […]

Bankruptcy Debt Exclusions

It is important to understand that regardless of which chapter of the Bankruptcy Code you are eligible to use, there are some debts which cannot be changed through bankruptcy. These debts include student loan debt and taxes owed for three years or less. If your finances are in a shambles and you want to get […]

The Difference Between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy

When your finances are in turmoil, you may be considering filing for bankruptcy.  While this is not an option anyone wants to think about, sometimes there is no other alternative. For those considering bankruptcy, one of the first things that need to be understood is the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy. […]

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Rhode Island and Massachusetts Bankruptcy Attorney

We serve bankruptcy clients throughut Rhode Island and Southern Massachusetts including the communities of Barrington, Bristol, Cranston, East Greenwich, Narraganset, Newport, North Kingstown, Pawtucket, Providence, Warren, Warwick, Woonsocket, Attleboro, Fall River, New Bedford, Tauton and more...