• Chapter 7 Liquidation or Compete Discharge
• Chapter 13 Repayment Plan

Do you dream of a life free from overdue bills, harassing debt collectors, and the threat of foreclosure or eviction?  Are you receiving constant phone calls from bill collectors?  Have you received notice of a lawsuit, a judgments, wage and/or bank account garnishment?

Robert Lombardo understands what you are going through. Tough financial times and a deteriorating economic climate have made things difficult for everyone. The stress can be overwhelming as credit card bills, medical bills, car loans, mortgages, student loans and other bills continue to accrue. Creditor harassment can also take a toll on your life. If you are being harassed by creditors due to mounting debt, you may feel very intimidated and alone.

Would you like to regain your peace of mind, freedom from debt slavery and restore your credit ratings for future car loans or mortgages?  Robert Lombardo can guide you through the complex paperwork of the recent changes in bankruptcy law and help you determine the best course of action for a positive and successful future.

Many of Mr. Lombardo’s clients are now back on track, getting mortgages, car loans and new credit – but using it smarter than ever before.  Because they realize that just because you’re in debt today doesn’t mean you’re a bad person – and it doesn’t mean you need to be in debt slavery forever. Would you like a new beginning?  Over 1.6 million people filed for bankruptcy last year and are now on the road to their new and more stable future.

Robert Lombardo can help you get a fresh start and get your personal finances back on track as well. You can be confident in knowing that Mr. Lombardo is fully versed on the important aspects of the new bankruptcy laws, and that he can help you determine your eligibility for Chapter 7 Bankruptcy under the so-called “Means Test”.  If you need the help of a knowledgeable consumer bankruptcy attorney in Rhode Island to determine whether you should consider filing bankruptcy under Chapter 7 or Chapter 13 you are invited to make an appointment for a free consultation.