Attorney David B. Hathaway - Warwick, RI

Your Expert Bankruptcy Attorney in Warwick, Rhode Island

Welcome to the Law Offices of David B. Hathaway, a premier law firm in Warwick, Rhode Island, exclusively dedicated to helping individuals and families navigate financial challenges and achieve a fresh start. With over 35 years of unparalleled experience, Attorney David B. Hathaway brings a unique and powerful perspective to every case, having formerly served as a Chapter 7 Bankruptcy Trustee. This insider knowledge, combined with a decade of practice at a national law firm handling some of America's most significant bankruptcy cases, provides our clients with an unmatched level of expertise. We understand that facing overwhelming debt is stressful, and our mission is to provide a legal path forward that is clear, compassionate, and effective. Our firm is built on a foundation of respect, offering friendly and solution-driven legal services to the Kent County community. 💰

Specialized Financial and IP Lawyers for Debt Relief

At our firm, we focus entirely on bankruptcy law. This specialization allows us to provide the most current, knowledgeable, and strategic advice for your specific financial situation. We are not a general practice firm; we are experts in the field of debt relief, committed to guiding you through the complexities of the U.S. Bankruptcy Code with confidence and care.

Chapter 7 Bankruptcy Lawyers

Chapter 7 bankruptcy, often called a 'liquidation' or 'straight' bankruptcy, is designed to give you a clean slate by discharging most of your unsecured debts. This can include credit card debt, medical bills, and personal loans. As a former Chapter 7 Trustee, David B. Hathaway has an intimate understanding of the process from all angles.

• ✅ Debt Discharge: We help you eliminate overwhelming unsecured debt and achieve true financial freedom.
• ✅ Stop Creditor Harassment: The moment you file, an 'automatic stay' goes into effect, legally stopping all collection actions, including phone calls, letters, and lawsuits.
• ✅ Asset Protection: We work strategically to help you keep your essential assets, such as your home and car, by leveraging Rhode Island's exemption laws.

Chapter 13 Bankruptcy Lawyers

Chapter 13 bankruptcy is a reorganization plan for individuals with a regular income. It allows you to create a manageable repayment plan to pay off your debts over a three- to five-year period. This is often an ideal solution for those who wish to catch up on mortgage payments to avoid foreclosure or pay back tax debt.

• 🏡 Save Your Home: Chapter 13 is a powerful tool to stop foreclosure and allow you to cure mortgage arrears over time.
• 🚗 Manage Car Loans: It can help prevent vehicle repossession and may even allow you to lower your car payments through a 'cramdown'.
• 📋 Structured Repayment: We work with you to develop a feasible and court-approved repayment plan that fits your budget and financial goals.

Debt Relief Lawyers

Beyond specific bankruptcy chapters, our ultimate goal is to provide comprehensive debt relief. We assess your entire financial picture to determine the most advantageous course of action. We believe that everyone deserves a second chance, and our legal services are designed to provide just that, helping you regain control of your finances and build a more secure future. 💵

Our Commitment to You: Accessibility and Affordability

Choosing the right attorney is critical. We distinguish our firm by making top-tier legal services accessible. We offer a free, same-day initial consultation to discuss your situation without any obligation. We believe in transparent and fair pricing, which is why we provide affordable rates and flexible payment plans to ease the financial burden. We work around your schedule because we know that your time is valuable. When you choose the Law Offices of David B. Hathaway, you are choosing a dedicated partner who will treat you with respect and fight for your financial future. Contact us today to take the first step. ☎️