New Hampshire Personal Bankruptcy Claims

Restoring your financial future

Attorneys at DeBruyckere Roth & Associates, PLLC have extensive experience helping clients file for personal bankruptcy in New Hampshire. If you are unable to keep up with payments and find interest rates on your loans spiraling out of control, then our firm can help. While most people approach bankruptcy reluctantly and skeptically, our lawyers explain to clients how a “fresh start”—combined with personal responsibility—could shift the focus of your goals from creditors and collection agencies to yourself and your loved ones.

There are many reasons—both expected and unexpected—why people decide to file for bankruptcy:

• Reduction of income
• Unemployment
• Illness or injury
• Factors related to divorce
• Excessive credit card debt
• To obtain protection against creditors and collection agencies (automatic stay)

DeBruyckere Roth & Associates, PLLC does not judge you or the decisions that you have made. Our goal is to help you recover from your financial strain. If you have accumulated too much credit card debt or are having trouble keeping up with loan payments, contact our firm to learn about filing bankruptcy in New Hampshire.

Types of personal bankruptcy in New Hampshire

There are two main types of bankruptcy for individuals:

• Chapter 7 bankruptcy: this is the most common type of bankruptcy for individuals. Chapter 7 bankruptcy discharges debt and liquidates non-exempt assets and distributes the proceeds to creditors. In many ways, Chapter 7 represents the “fresh start” implied by bankruptcy.
• Chapter 13 bankruptcy: Chapter 13 bankruptcy is reserved for people with steady incomes who have the possibility of paying back creditors over a period of three to five years. Sometimes, Chapter 13 is used by individuals who do not qualify for Chapter 7.

Since 2005, when the Bankruptcy Abuse Prevention and Consumer Protection Act was passed, the eligibility criteria for filing bankruptcy in New Hampshire—especially for individuals—has become stricter. Attorneys at DeBruyckere Roth & Associates, PLLC will assess your situation and advise you about which type of bankruptcy to file.

Call 480-295-3470 to file bankruptcy in New Hampshire.