If, Like millions of Americans in today's economy:

• Have You been struggling to pay your bills for months, but just keep falling farther behind ?


• The stress of Constant calls From creditors getting to you, Keeping you awake nights ?


• Relationships with family & friends suffering, because of financial issues ?

Let’s face it:  Can you stand to be drowning in debt one moment longer?

These economic times continue pushing many Rhode Islanders' household budgets right to the edge; unemployment, forclosures, fuel prices. Here in RI, bankruptcy is even under consideration by the City of Providence. Due to circumstances often beyond our control, sometimes there becomes no other legal option - except to file bankruptcy. Fortunately, Rhode Island, is a state, founded on a belief in "Fresh Starts."

With different types of bankruptcy filings (Chaper 7 or Chapter 13) available under different circumstances, a bankruptcy lawyer helps determine which is right for you, and your future.  Each type of bankruptcy affects your financial profile in different ways. With one type, you get help restructuring debt so you can make your payments to creditors. The other type of bankruptcy does wipeout all debt, but affects credit ratings for years-to-come. An experienced bankruptcy lawyer, like Attorney Simonion, will inform you of your advantages and disadvantages under each type, as well as fees or costs associated with each kind of bankruptcy process, providing advice on how to proceed.

Attorney John Simonian specializes in fresh starts for good people. He is very experienced in bankruptcy cases, and knowledgeable in dealing with creditors and protecting your legal rights.  That's why you should protect yourself, and contact Attorney Simonian before trying to file for bankruptcy youself.  People who represent themselves during bankruptcy proceedings can make mistakes that end up hurting their own interests, instead of fixing the situation. Having a bankruptcy attorney to explains the legal terms, let you know what is happening at each step in the process, and making sure everything is filed in a timely manner, can save a lot of stress.

John Simonian is a bankruptcy attorney who cares about people in the middle of difficult circumstances, and he works closely with his clients to take care of things that cause them to worry.  One of the first things Attorney Simonian will do as your lawyer, is stop the harassing phone calls and threatening letters, so you can begin your journey to a new life.