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401-274-3331

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986 Hartford Avenue
Johnston, RI 02919

Rhode Island's Law Firm, Mesiti Law

Mesiti Law Offices is a Johnston, Rhode Island, law office handing nearly all types of legal matters in the Providence, Kent, Washington and Newport Counties. Think of MESITI LAW as your ONE-STOP-LEGAL-SHOP. If you have been arrested for DUI, or worse, we're there for you. If you've been in an auto or motorcycle accident, considering your debt, bankruptcy and foreclosure options, or perhaps you're considering divorce, or need child support issues expertly handled, we can help you get through it. Call us at the first sign of a problem, and we will take the weight off of your shoulders. You will get aggressive, experienced, personalized service every time. Make Mesiti Law your LAWYERS FOR LIFE. We even make night and weekend appointments for your convenience. Your "Dream Team" of lawyers: Benjamin Mesiti, Terry McEnaney, Jennifer Armstrong-Souza and Johnathan Francis are here to help solve your problems. You may call us at 401-274-3331. We are available 24 hours a day for emergency legal assistance. Click here to read more.

Legal Tips & Advice (More)

 

BankruptcyMany people live paycheck-to-paycheck, and if that paycheck stops coming, the bills can’t get paid.  There’s only so much you can do to borrow to get through the next week or month, until the cycle starts all over again.  At some point, you realize that you can no longer pay your debts. This means the potential for losing your home, your car and your pride.  Creditors start calling, and keep calling, no matter how many times you tell them that you can’t pay.

 

So, what do you do?  For many, Bankruptcy is a good option to get back on track.  Bankruptcy can help discharge many different kinds of debts. 

Credit cards, hospital bills, utility bills, personal loans and other unsecured debt may all be forgiven in bankruptcy proceedings.   Certain debts, such as government funded student loans cannot be discharged, and secured debt such as home and car loans may be discharged but not without losing that property if you fail to continue to pay.

 

The two most popular types of bankruptcy filings are Chapter 7 and Chapter 13.  Most consumers will file a Chapter 7.  Some consumers with larger assets and incomes who do not qualify for Chapter 7 may opt for Chapter 13.  Your eligibility is based on a “means” test, which takes into account your gross income over the last 6 months, and formulates your eligibility status using guidelines set forth by the US Government.  You will also be required to attend an online credit-counseling course prior to filing.  If you are eligible, the bankruptcy petition is filed with the Courts and creditors are notified.  At that point an “Automatic Stay” comes into effect, which means creditors must cease calling, and foreclosures, wage garnishments and repossessions can be stopped.

 

Once your bankruptcy is filed and creditors notified, your case is assigned to a “Trustee” who acts as an arm of the Courts and will oversee your case while your petition is pending.  You will then be required to attend a “341 Meeting of Creditors.”  At that meeting, you, your attorney, the “Trustee” and any creditors who choose to attend verify all of the information that you have submitted, and if there are no issues or objections, your meeting is concluded.  You will then be required to attend a final online class on financial management.  If there are no other issues or objections, your bankruptcy is finalized and you will receive a “discharge”, which is the permission to absolve your debt.

 

If you are considering bankruptcy, you should contact a lawyer who can prepare and file the paperwork, guide you through the complex rules, accompany you to the “341Meeting” and finalize the process.  Be sure to have all of your recent bills, pay stubs and tax returns, and any letters from creditors that you may have received and bring them to your consultation.  Be sure that any attorney you hire is actively involved in the preparation of your case, not just a paralegal.  This will ensure that your case goes smoothly on the day of court.

 

DISCLAIMER:  The information in this article is presented for reference only and is not intended to be legal advice, or create an attorney-client relationship.  Consult with Mesiti Law Offices regarding the particular facts of your legal issues.

" Ben made me feel so comfortable and my situation. He was honest and caring with me, but when my case went to court, he was aggressive and got my case dismissed. I would absolutely send my friends and family to him. "
                         
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  Our Address:
986 Hartford Ave.
Johnston, RI USA 02919
  Hours of Operation:
Mon. to Fri. 9am to 7pm
Weekends / After Hours by Appointment Only

At Mesiti Law, we represent clients throughout all of Rhode Island and Southeastern Massachusetts, including the Rhode Island cities and towns of Providence, Central Falls, Coventry, Cranston, East Providence, Johnston, North Providence, Pawtucket, Warwick, W. Warwick, Foster, Scituate, Cumberland, Bristol, Barrington, Smithfield, Lincoln and Woonsocket; and Massachusetts cities and towns of Attleboro, N. Attleboro, Fall River, Seekonk, Milford, Wrentham, Swansea, New Bedford and Taunton, as well as all of Providence County, Bristol County, Kent County and Washington County in RI and Bristol County in MA. Free Initial Consultation.

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Legal Disclaimer: The information above presented as an advertisement. This website is provided solely for informational purposes and is not intended to create an attorney-client relationship between you and the attorneys. Any form of communication with us does not create or establish an attorney-client relationship.