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Rhode Island Debt Settlement.

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Find out how much you can save with debt settlement. Fill out the form to get your free savings estimate. No commitment. Fill out the form to find out more.

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Be sure to include all credit cards and unsecured debt. Do not include IRS debt, student loans, car loans or home mortgages.

Debt Settlement which is also known as debt negotiation, is when our attorneys negotiate a settlement on your debts on behalf of you as our client. Most of the time GoDebtRelief.com can greatly reduce the monthly payments of our Rhode Island clients, and can typically settle our Rhode Island clients debt for between 40 and 50% of what they owe. The amount of money you will save with our debt settlement program is amazing. Debt settlement is the quickest and cheapest debt relief, debt reduction or debt help available to everyone throughout Rhode Island.

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives:
(866) 910-9081

We specialize in:

Important Rhode Island Debt Settlement and Debt Consolidation Laws.
(Note: This is only to be used as an informational debt resource for residence of Rhode Island and should not be considered and does not constitute legal advice. If you are looking for legal advice contact a licensed attorney in Rhode Island)

Rhode Island (RH) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts. These laws are known as the Fair Debt Collection Practices Act (FDCPA)

The original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).

Maximum Interest Rate a Collection Agency Can Charge in Rhode Island is12%

Rhode Island Wage Protection has 100% protection for military service member on active duty, seaman, spouse and minor children, anyone who has been receiving public assistance for 1 year after going off of relief, wages paid by charitable organization or funds providing relief for the poor.

FEDERAL LAW STIPULATES THAT AT LEAST 75% IS PROTECTED which OVERRIDES STATE LAW.

Statue of Limitations.
The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated. With debt, the statues of limitation apply to the time period after you have become past due on your payments. In other words. You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 10 years
Written Contracts are 10 years
Promissory Notes are 10 years
Open Accounts (credit cards) are 10 years

Bankruptcy Courts

380 Westminster Street
6th Floor, Suite 615
Providence, RI 02903

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your RI. state attorney general,

	Patrick C. Lynch (D)	(401) 274-4400
150 S. Main St., Providence, RI 02903 http://www.riag.state.ri.us

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