Frank N. Ray, Bankruptcy Attorney in Newport, Rhode Island

Frank concentrates on bankruptcy, business, estate litigation, general, and insurance. Each area below outlines the kind of case Frank handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Estate Litigation

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• General

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• Insurance

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• Probate

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• Trusts

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Frank's primary office is at 228 Spring St, Newport, RI, 02840-6812. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Frank usually go, from the moment you request a consult to the day representation begins.

Frank discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Frank for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Frank walks through the likely range during the consult so there are no surprises.

• Does Frank offer a free consultation?

  Frank charges for the initial consult; that fee is credited toward representation if you retain Frank's office. Some bankruptcy attorneys offer free consults — check Frank's current terms during booking.

• How long do bankruptcy cases in Rhode Island typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Frank gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Frank take my case if I'm outside Newport?

  Frank is licensed in Rhode Island. Matters governed by Rhode Island law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Frank will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Frank?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Frank will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Frank accepting new bankruptcy clients right now?

  Frank's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.