Credit cards are a two-edge sword. When we have enough money to pay them off, they're a great convenience. When we really need credit – after a drop in income, a medical emergency, a car breakdown or a marital separation – it's easy to get in over your head. With interest rates of 21% to 39%, it's easy to feel like a modern day indentured servant.

If you've got medical debt, chances are a health problem in your family is making it nearly impossible to work enough hours to pay it off. All too often, though, medical debt is so high it could never be paid off.

Payday loans are the worst. With interest rates of 250% or more, payday loans are like a noose around your neck. Chances are you're now facing rude, bullying and even threatening collection calls. Some of the clients of Rhode Island bankruptcy attorney John Simonian have even had collection bullies come to their homes threatening them with arrest!

Put a stop to it! Just because you needed to use credit, that does not mean creditors have a right to beat you down. Call Providence bankruptcy lawyer John Simonian at 401-941-4800 to learn how Chapter 7 and Chapter 13 bankruptcy can help you get out from under credit card debt, payday loans and medical bills.

As soon as you file for bankruptcy your creditors MUST stop harassing you. No more phone calls or threatening visits to your home. You can feel safe again.

  • If you qualify for Chapter 7, all of your unsecured debts (medical and credit card debt; not mortgages or car loans) will be wiped clean and you will have a fresh start on life.
  • If you have sufficient income and want to keep some property that you might otherwise lose, filing for Chapter 13 will restructure your debts so you can make payments that are affordable for you.


  • Can I Use My Credit Cards Right Before I File Bankruptcy? If you recently incurred a large amount of credit card debt for "luxury goods," this could make your debts "non-dischargeable." It could be considered bankruptcy fraud. Tell your bankruptcy lawyer about this immediately.
  • Will Bankruptcy Harm My Credit Rating? Ironically, bankruptcy may actually help your credit rating because discharging your debts greatly improves your debt to income ratio.


If credit card debt is overwhelming you, don't get discouraged! Contact Rhode Island bankruptcy lawyer John Simonian today. He will help you understand your options for addressing late fees, interest penalties, harassing phone calls, threatening letters, court summons and lawsuits from creditors. He assists clients in both Rhode Island and Massachusetts.

The Law Office of John S. Simonian, Attorney at Law
Bankruptcy Lawyer for Rhode Island & MA.
474 Broadway Pawtucket, RI 02860 
phone: 401-941-4800 fax: 401-785-8313
We help clients throughout all of Rhode Island including Providence, Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Coventry, Cumberland, North Providence, South Kingstown, West Warwick, Johnston, North Kingstown, Newport, Smithfield, Lincoln, Central Falls, Barrington, East Greenwich, Bristol, Warren, Tiverton, Burrillville and Westerly. We serve all towns in Massachusetts including Attleboro, North Attleboro, Millville, Blackstone, Bellingham, Uxbridge, Millis, Plainville, Wrentham, Franklin, Seekonk, Swansea, Mansfield, Foxboro, Mendon, Douglas and Rehoboth. The Law Office of John S. Simonian is a debt relief agency helping people to file for bankruptcy protection under the U.S. Code. The State of Rhode Island does not have a procedure for the certification of specialization of attorneys.
John Simonian Attorney at Law
474 Broadway
Pawtucket, RI 02860
Phone: 401-941-4800
Whether or not a personal bankruptcy filing is really the best solution for YOU... is something to consult RI bankruptcy Attorney John Simonian about, first.
Attorney Simonian offers a FREE, no-obligation consultation to help understand your options, and if need be, assist you through the bankruptcy process.