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Debt Relief FAQ

Debt relief comes in many options in Rhode Island. You can determine which would be best for you and your financial situation. Luckily, there are laws to counter debt collectors. You can find the best option for you.

Rhode Island follows the Fair Debt Collections Practices Act (FDCPA) to keep debt collectors from causing unnecessary practices. These involve deception and unfair practices onto a debtor. These unfair practices would include a debt collector make false statements towards a debtor when trying to collect a debt. It is also harassment by contacting a debtor threatening violence, profanity or calling multiple times that exceeds the limit of calls that can be made. We provide forms that will offer legal action against debt collectors or debt relief. The states offer a maximum interest rate of 12% from a collection agency. There is a 100% wage protection for military service members. By federal law, all others get a 75% wage protection of disposable weekly earnings.

We provide forms that will offer legal action against debt collectors or debt relief.


What is a Financial Affidavit?

A financial affidavit is a legal document that provides a detailed overview of a person's financial situation. It includes information such as income, expenses, assets, and debts. In Rhode Island, a financial affidavit is often required during divorce proceedings, child support hearings, or any legal matter involving finances. It helps the court determine an individual's ability to pay or receive financial support. It's important to fill out the financial affidavit accurately and truthfully, as it may impact the court's decision on matters like alimony or child support.


When a Financial Affidavit is Needed

A financial affidavit is a document that is required in Rhode Island when someone is involved in a legal proceeding that involves money matters, such as divorce or child support. It is a form that asks you to provide detailed information about your income, expenses, assets, and debts. It helps the court determine your financial situation and make fair decisions. This affidavit is important because it ensures that all parties involved have a clear understanding of the financial circumstances and allows for a fair resolution of financial matters in the Rhode Island legal system.


Consequences of Not Having a Financial Affidavit

In Rhode Island, not having a financial affidavit can have serious consequences. A financial affidavit is a document that shows your income, expenses, and assets, which is required in many legal situations like divorce or child support cases. If you don't have a financial affidavit, it can make it difficult for the court to make fair decisions about financial matters. The court may not be able to determine the appropriate amount of child support or alimony to be paid, and this can lead to unfair outcomes for both parties involved. It's important to provide a financial affidavit to ensure a just and equitable resolution in legal proceedings.


How To Write a Financial Affidavit

To write a financial affidavit in Rhode Island, you can follow a few steps using simple language and specific terms. Firstly, begin by gathering all of your financial documents, such as bank statements, tax returns, and pay stubs. Next, list your sources of income, including your salary, investments, and any other earnings accurately. Then, clearly outline your monthly expenses, such as rent/mortgage, utilities, transportation, and groceries. It's crucial to be precise and provide truthful information regarding your debts, assets, and liabilities, like credit card balances or loans. Lastly, sign and date your affidavit, making sure to swear that everything mentioned is accurate and correct to the best of your knowledge.


Step 1 – Fill out Affiant Information

Step 1 — Fill ouAffinent Information in Rhode Island: To begin the process, you will need to provide your personal information as the affine or the person making a sworn statement in Rhode Island. This includes basic details like your full name, address, phone number, and any other required identification information. Make sure to complete this section accurately and clearly to ensure proper identification throughout the legal proceedings.