File For Bankruptcy in New Hampshire

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
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How We Help in New Hampshire

Jump Start Your New Beginning

UpRight Law helps many people in New Hampshire get out of debt.

If you’re worn down from flipping through your bills and trying to decide which ones to pay, or you’re tired of cringing when the telephone rings because you don’t have any good news for the collectors who keep calling, it’s time to learn more about your options.  UpRight Law has helped many New Hampshire residents get a fresh financial start, and we’d like to help you, too.

The first step is to schedule a free, online case evaluation. You don’t even have to leave home to find out whether Chapter 7 bankruptcy or Chapter 13 bankruptcy might offer the relief you need. Take action right now and sleep better tonight.

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Get out of Credit Card Debt in New Hampshire

According to Bankrate.com, it will take the average credit card holder in New Hampshire more than ten years to pay off the balance. The average credit card balance in New Hampshire is more than 20% higher than the national average. If you’re one of the many New Hampshire residents whose credit card debt is out of control, there may be a solution. Each year, Americans discharge about $20 billion in credit card debt through Chapter 7 bankruptcy cases. For those who don’t qualify for Chapter 7, a Chapter 13 repayment plan can transform a constant scramble into a manageable and predictable monthly payment. Don’t keep struggling on your own. Get the information you need today.

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Stop Creditor Harassment in New Hampshire

Multiple consumer protection statutes protect New Hampshire residents. When it comes to debt collection issues, two of the most important are the federal Fair Debt Collection Practices Act (FDCPA) and the New Hampshire Unfair, Deceptive or Unreasonable Collection Practices Act. The two laws are similar in that they protect consumers from dishonest or abusive debt collection practices. One significant difference is that while the federal FDCPA applies only to third party debt collectors such as collection agencies, the New Hampshire Act also limits the actions of creditors collecting on their own accounts. That means New Hampshire residents have a layer of protection that many Americans don’t. If you’ve been harassed, threatened or otherwise abused by debt collectors, take the time to learn more about your rights today. You may be surprised by your options.

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Chapter 7 Bankruptcy Law

Chapter 7 bankruptcy allows many New Hampshire residents who are overwhelmed by unsecured debt to start fresh. Those who qualify for Chapter 7 bankruptcy are often able to eliminate unsecured debt such as credit card debt, medical bills and unsecured loans. With the legal obligation to pay those debts wiped out and creditors prohibited from taking any further collection action, many people like you are able to start anew and build better financial futures. You may even be able to file bankruptcy online. Why not find out today?

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Chapter 13 Bankruptcy Law in New Hampshire

Chapter 13 bankruptcy may provide relief for New Hampshire residents who don’t qualify for Chapter 7 bankruptcy, or for whom Chapter 7 isn’t the right answer. For example, a Chapter 13 repayment plan may be the answer for someone whose income is too high to qualify for Chapter 7, or someone who has property that wouldn’t be protected by the bankruptcy exemptions. A Chapter 13 repayment plan lasts for three to five years, and protects the debtor from most collection actions and some fees and interest during the repayment period. In some cases, some remaining unsecured debt is discharged after all scheduled plan payments have been submitted.

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Bankruptcy and Foreclosure in New Hampshire

Many New Hampshire residents have questions about bankruptcy and foreclosure. While the specific options in your case will depend on a variety of factors, the short answer is this: in some cases, Chapter 13 bankruptcy can stop foreclosure. In order to assess whether Chapter 13 bankruptcy could be the right answer for you, our bankruptcy attorney will need to learn more about your income, the amount of debt on your house, the value of your home and more. In other cases, a Chapter 7 bankruptcy case allows the homeowner to surrender the house and walk away with no remaining debt, regardless of the balance owed and current value of the house.

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Wipe Out Medical Bills in New Hampshire

Medical debt can be overwhelming to the strongest and healthiest among us, and many people struggling to pay medical bills don’t fall into that category. The problem is more widespread than you might thing: about 43 million Americans have past-due medical debt on their credit reports. And, many are never able to catch up on that debt. Medical debt contributes to nearly half of all personal bankruptcy cases filed in the United States. Fortunately, bankruptcy provides a safety hatch for many New Hampshire residents in dire straits, just as Congress intended. Often medical bills can be eliminated entirely in a Chapter 7 bankruptcy case. Schedule your free consultation today to find out whether bankruptcy could be the solution you’ve been looking for.

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New Hampshire Wage Garnishment Law

New Hampshire employs an unusual system of wage garnishment. Under the state law, a judgment creditor may obtain an order of garnishment for any amount in excess of 50 times the minimum wage per week. Of course, the creditor is still limited by the federal statute preventing garnishment of more than 25% of disposable income for most debts. However, New Hampshire law doesn’t allow for continuing garnishment orders. Because only wages accrued but not paid at the time of the order can be withheld, a creditor may in practical effect only withhold wages from one pay period per order. In most cases, a bankruptcy filing will prevent the creditor from seeking additional orders while the case is in progress, and may even prevent withholding under the existing order. To learn more, schedule a free consultation today.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in New Hampshire

The bankruptcy attorneys at UpRight Law help ordinary people in Manchester, Concord, Nashua, Exeter, Dover and throughout New Hampshire take positive action to eliminate debt and start fresh. Whether you’ve lost your job, suffered a long illness or serious injury, recently divorced or simply made a few bad decisions that spiraled out of control, we want to help you get back on your feet so you can provide a better life for you and your family. Learn more right now: you may even be able to file bankruptcy online.


Kevin P. Chisholm

Partner

Manchester, NH
22 Years of Experience

I earned my undergraduate degree from the University of Massachusetts. I graduated from the Franklin Pierce Law Center (now the University of New Hampshire School of Law) and became a lawyer in 1995. […]

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Charles Russell

Partner

Concord, NH
41 Years of Experience

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Paul Petrillo

Partner

Salem, NH
15 Years of Experience

Salem attorney Paul Petrillo graduated magna cum laude from the Massachusetts School of Law in 2002. He has long practiced in bankruptcy law, representing debtors in Rockingham Co […]

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